If you can't afford to buy a used M3 outright then what are you going to do when it ***** your wallet with a £1000 bill for brakes and tyres or other generic cost associated with 'M' ownership? Borrow more money? Just because you can afford the finance, fuel and insurance does not mean you can afford to run the car.
I am talking about buying outright matey, running it isn't a problem, I just don't have the capital to purchase it now... With other things, it'll take me til the end of 2012 to get the money I need for it and that's if I don't buy a formula ford first, so it may be a slightly longer wait... Depends on a few factors and what I want first. Also, if credit rating has improved enough by then, I may get both.
I'm very bad with my money, gets spent far too quickly, more I earn, more I spend. Getting better though... It helps to have targets like caterham and M3, plus I'm finally happy with how I've kitted out my house...
What I was saying above was, if my credit rating was acceptable... I would already have an M3... The reason I don't is because I need the capital