I bought a genuine Ford cam belt, guide pulley and tensioner for a Ford 2 litre zetec a couple of years ago. It cost the equivalent of 2 tanks of petrol and 1/2 a day changing it (could do it faster next time). Ford rate them at 10 years or 100,000 miles, I changed it at 10 years.
£110 for bits spread over 10 years, thats 3 pence a day.
Although the belt looked fine there was some play in the guide pulley, the pulley was actually about the same price as the belt, the tensioner was more. The alternative is simple risk it and possibly end up scrapping the car or fitting a fresh engine both of which will cost more and be far less convenient.
If you are not prepared to maintain your car sensibly I would suggest you should not drive.
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