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Many consumers are more interested in the monthly cost of what they buy than the overall cost. Phones, broadband, netflix, sky, gym membership etc all £xx/month. The cost of cars has gone up partly to lead people down the PCP route as you'd be daft to buy one with your own money right?
I am always surprised by some of the people I work with who live pay check to pay check, their whole income absorbed by monthly outgoings with limited savings to fall back on. Most people on here a lot more savvy about total cost, finding a good deal and alternative funding options.
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