I can understand your thinking dave, I was exactly the same when I bought my VX. a close fiend of mine recommened the Astra to me and said - go for the 'Life' or 'Club' maybe the 'Design', I got suckered into buying an SXI, ok I know its not the top spec, but it cost slighty more to run. When I said to my friend I bought this model he didnt agree. I look back now and wish Id taken his advise, yes I loved the car but I did spend too much. My Astra was 7K when I bought it, to me this is a lot of money, plus I had to put it on finance at the time.
So if I was you, Id concentrate on getting standard model car, not something thats gonna barely any MPG, you`ll be able to
Afford a newer car.
Enjoy lower running costs.
Not want to change it later on becuase its too expensive.
Not have high running costs
etc etc.
Secondly I think fox it correct, You are overestimating the value of your car, think your looking more towards 13K-14K. I wouldnt want to loose this much in only having a car in this short time, so personally Id stick with it.
I read your other thread, when you got your car and it sounds like you absolutly love it. So personally now you have it stick with it.
Stagger your projects do one of them every 6 months to a year. Ive been in my house 10 years now, was a dump when I firsted moved in, Ive spent about 12K doing it up, but over the course of time, spending what I can afford as I go.
I wish you the best of luck with things.