Mazda 2 - Upgrading my car (first time) - Josh93
So my car currently is a mk1 Ford Focus 98-04 (it's actually 05 and on 65k) I'm looking to upgrade (downgrade?) to a smaller car and leaning towards a Mazda 2. I don't have the money to buy one outright so I'm going to get a loan or possibility finance depending on which works out better (and might pay a bit on a credit card) but I was thinking it's better to buy the car and then sell mine privately rather than trade it in to a dealer and probably get about half the price? Although it's something I have no experience with.

Anyway.. I'm hoping I can sell my car for around 11-1300 privately and I'm looking to spend between 2-3.5k (possibility could stretch it a bit to around 4) on the new car and I was wondering what people would think about my options, I'm thinking Mazda 2 (07-14), polo, fiesta and corsa mainly.

Any help massively appreciated.
Mazda 2 - Upgrading my car (first time) - RobJP

If you buy a car (and by this I mean buying retail, from a trader) for £3k, then it probably cost the trader £2k. So you're not really going much better for the money you end up putting out.

I appreciate some people just want to change their car, some people need to change their car (circumstances, etc), but if the current car is reliable, and you know it's history, then I'd stick with it if at all possible. Any car that you buy for that sort of money won't have lower mileage than yours, and you don't know how well it has been cared for (and service stamps are easily faked).

Mazda 2 - Upgrading my car (first time) - FoxyJukebox

I would definitely stick with the devil you know. Why not give your Focus a bit of a birthday with a good service and a new MOT, get all the advisables done, a set of new tyres maybe? -then wash/ wax/vac either yourself or get a good hand car wash place to do it. A sensible way to make hard earned cash go further?

Mazda 2 - Upgrading my car (first time) - Josh93
That's one of the things I've thought about, you're both completely right it would almost definitely work out cheaper in the short term to keep my car. I'm leaning towards a small loan so I could buy a car privately that's not a problem I wouldn't nessesarily buy the car from a dealer.

On the side of running costs I've got to consider saving (all rough) £70 on tax, 1-200 on insurance and anywhere up to 30% on petrol which is going to be more significant as I will potentially be doing a lot more miles than I am now. One of the other problems is just generally the size, it's unnecessary and would just be a lot easier to have a smaller car, there's a possibility I'll be working in Brighton in a week or 2 and I'll be parking on the street in a fairly busy area so that's another big factor.

Mazda 2 - Upgrading my car (first time) - galileo
That's one of the things I've thought about, you're both completely right it would almost definitely work out cheaper in the short term to keep my car. I'm leaning towards a small loan so I could buy a car privately that's not a problem I wouldn't nessesarily buy the car from a dealer. On the side of running costs I've got to consider saving (all rough) £70 on tax, 1-200 on insurance and anywhere up to 30% on petrol which is going to be more significant as I will potentially be doing a lot more miles than I am now. One of the other problems is just generally the size, it's unnecessary and would just be a lot easier to have a smaller car, there's a possibility I'll be working in Brighton in a week or 2 and I'll be parking on the street in a fairly busy area so that's another big factor.

Firstly, insurance may not actually be that much cheaper.

Secondly, if you will be doing more mileage that suggests longer runs, which will give better mpg than shorter journeys.

Are you taking the 30% lower consumption from HJ's real mpg or the fictitious EU figures quoted by manufacturers?

Mazda 2 - Upgrading my car (first time) - bazza

An 05 Focus on 65K isn't a bad car at all and provided you maintain it, has years of life in it. You could reasonably expect it to go to 150K and a good few years yet. If money is tight, it's not logical to change, it will be much cheaper to keep it, as others have said. Many people make the mistake of buying a newer/more economical car to save money, forgetting the true cost of ownership and depreciation being the major factor. Size-wise, there won't be a massive parking advantage in a Mazda 2 over a Focus in reality.

Mazda 2 - Upgrading my car (first time) - Josh93
I use HJ and Parkers for mpg and insurance size it's generally the margin I said although it can vary.
The thing is I'm not just upgrading to try and save money I'm doing it beause the focus was my first car and had been purchased with a few bumps on it and also potentially as an investment that will save me money over time (even though it won't in the first year) the money situation isn't really a problem it's just a case of choosing a budget and a car that ticks all of the boxes, the imagine is a big factor too.

Also how many miles would I need to do to justify getting a diesel over a petrol these days, particularly in the case of the vw polo.
Mazda 2 - Upgrading my car (first time) - RobJP

HJ's realmpg is by far the better. Parker's algorithm seems to make no sense at all to me. Alter settings to make it more economical, and it comes out with worse predicted fuel economy.

As to the mpg ... it all depends. Which is a terrible answer. In general though, unless you're doing 15k + miles a year, petrol is better - less likely to get EGR/DPF problems, which can be horribly expensive, rapidly eating into any savings you'd made on fuel. But if your driving is all (or mostly) urban, then petrol probably keeps the edge for longer. A DPF needs decent runs at speed to do a proper passive regen, which urban trips don't provide. The active regens need similar conditions, and if interrrupted have been known to lead to all sorts of problems, from poor oil lubrication to runaway (read self-destructing) engines.

As someone else has said, you'll also get better economy on runs in the petrol focus. Whilst the figures won't match a diesel, when you add in the cost to change and the potential for problems, the savings won't be huge.

It may look like we're a bunch of diesel haters. We're not (or at least I hope we're not). I drive a BMW 325d estate, but the usage type it gets put to is suitable for a modern diesel.

All diesels from 2010/11 on, and a lot of diesels from before then (even back to 2003 or so), have DPFs fitted as standard. Remember, people generally initially bought those cars to do lots of miles and to save money on fuel. So they've mostly done big mileage, and things are going to be wearing out - scary time. If the cars haven't done much mileage, then it's scary time, because the DPF/EGR problems are more likely to suffer problems !

Mazda 2 - Upgrading my car (first time) - Josh93
Okay well the diesel idea was just a passing thought I'm looking at all of these cars in small engine petrols although the 1.5 sport Mazda is very tempting to just add a little bit of extra fun and power. Of course it's a minefield when buying a second hand car but I think the rewards outweigh the risk if I put 3.5 into a seemingly well looked after Mazda 2 with similar mileage to mine.
Mazda 2 - Upgrading my car (first time) - Engineer Andy

Your Focus is about the same age and mileage (mine's less at an 2005/55 and 52k miles) as my mk1 Mazda3, I have, like you, been thinking of possibly downsizing as an alternative to just replacing my car on a like-for-like basis, for similar reasons that mine can be a pain to park in tight road spaces with its high bootline (saloon) and no sensors to help me.

I have, however, conceded that as its a petrol (1.6) and has been thus far extremely reliable and hasn't (yet) rusted away, I may as well save on the inevitable depreciation buying a new or newer car/loss through selling my existing car and stick with my Mazda as its likely (again, as long as its not going rusty) to have up 100k miles left on it.

Like with my previous car (a 96N Nissan Micra), I will only change it if my circumstances demand it (e.g. if I took a job requiring me to do 20-25k+ miles pa) or the car suddenly had several and/or some very expensive repairs, especially associated with rusting/corrosion of structural parts, wherby they are soon to be terminal problems or cost more than the value of the car. The odd ding (especially on the plastic bumpers) on an older car makes less of a difference to the selling price than it being mechanically and structurally sound, so the odd slight parking bump (as long as its only your car that affected and doesn't require any proper repairs) will be incosequential when selling it say 5 years or so down the line.

If yours is still relatively rust free (especially regarding structural areas) and in reasonable mechanical order, then I would keep it going until the above criteria are met, then PX it/flog it if you can or scrap it and buy what you can afford at that time, which hopefully will be more than now if you save up for a bit longer. Your personal circumstances may also change at some point, so you might have to sell the smaller car and get a bigger one again, losing even more money if it were quite soon. You may also need to borrow money for other purposes that is far more important (a home, for example), and a car loan will make some difference to what you can borrow/afford if finances are generally tight.

I would keep the Focus and run it (not literally) into the ground. If you still have your heart set on a change, the mk2 Mazda2 is a fine little car (and 81% ave. on the real mpg across the entire range, which is actually quite good) if a little on the firm side in terms of ride quality; the Corsa and Polo by HJ's reviews aren't so good (especially in terms of reliability); the Fiesta is generally well-regarded (and share many parts with the Mazda2 if you're not talking about the current versions) and are probably the easiest to pick up a bargain, and besides, you may already have a good working relationship with your local Ford dealership, which can often mean just as much in the ownership experience when running second-hand cars (not necessarily for purchasing them, but for keeping them in good order afterwards with being ripped off).

Best of luck whatever you choose to do.

Mazda 2 - Upgrading my car (first time) - Josh93
Yeah with me it would be similar reasons for me Andy however the fact I'm upgrading is more significant as I would be changing from my first car to something hopefully more long term and more enjoyable to live with (not that I dislike my current car) as I sometimes find the size a bit annoying just because I don't need it.

Mine is rust free and mechanically sound apart from an advisory oil leak on the mot which is unbelievably slow and isn't a problem at all. The Mazda and fiesta are both very tempting although I much prefer the look of the Mazda which makes me lean towards it. The 1.5 would be my likely choice which ears even more into any small savings I would make on tax, insurance and petrol but I would be far happier with the car.
Mazda 2 - Upgrading my car (first time) - FoxyJukebox

OK-Further to my previous-why don't you see if there are any offers privately for the Focus. The objective being to sell it before doing a "deal " on the Mazda?

Then-Go for a model with the best history you can find, raise your loan but add another £500. The latter figure could be your private budget for unscheduled maintainance over a year-which I reckon you will need?

Mazda 2 - Upgrading my car (first time) - gordonbennet

As above, i'd spend a bit on getting the Focus up to scratch, it hasn't done any mileage worth mentioning, and the Mk1 is a fairly small car too.

VED saving is nothing in the grand scheme of things and pales into insignificance compared top the now really low depreciation of the current car.

If it was mine, i'd be taking a long hard look at it to decide how many years its got left with reasonable TLC, if its got 5 years in it i'd probably have it LPG converted and really reap the benefits of what was an excellent design with 50ppl fuelling...where could you find a 65k car giving Diesel economy with petrol relaibility and ease of servicing for the cost of its present value and £1000 tops for conversion.

Edited by gordonbennet on 03/04/2016 at 11:23

Mazda 2 - Upgrading my car (first time) - Josh93
The idea was actually to buy the Mazda before I sold my car so that I'm not without a car and also can use it to travel to viewings etc. I was planning to get a loan with no early repayment fees to make this viable.
Mazda 2 - Upgrading my car (first time) - FoxyJukebox

If buying first--then you will do better to sell privately rather than part exchange. Then keep the cash raised from the sale for maintenance or unscheduled maintenance on the Mazda.

All in all tho'-if it was me-I would still be inclined to keep the Focus for a year or three-but SAVE for a Mazda ....that's cheaper than a loan for a cheapo cheapo second hand car....and far less hassle into the bargain.

Mazda 2 - Upgrading my car (first time) - Josh93
Yeah that's the plan so that I don't part ex for about 600 or whatever they'll offer me. I'm not worried about taking out a small loan it will be worth it rather than waiting I think. Only thing making me wait atm is the possibility of having a company car after 6 months which I'll have to look more in to
Mazda 2 - Upgrading my car (first time) - FoxyJukebox

If there is the possibility of your moving to a company car in six months--with that car intending to be your sole vehicle--then there is absolutely no reason at all to do anything other than "think options" at the moment. Stick with what you've got till then.