Hang on a cotton picking minute though. There's two things stopping me. Firstly, I'm not at all sure that I want to tie myself into a three year agreement with the NHS. Future plans could well involve beating a retreat to self employment in the near future. If you leave the scheme early there are hefty penalties, up to six months of the total rental costs paid by the Trust in first year. Now, that's not to be ignored. So, I wondered that with the higher mileage costs paid to people using their own cars, could it possibly be cheaper to go to Skoda and lease the exact same car with an inclusive service package myself? After all their 0% finance deals seems second to none at the current time. I got out my trusty spreadsheet and did the figurework based on an estimate for the same car that a friend had been given.
The moral of this story isn't just for those in the same scheme as my own. Of course, it applies to any regular expense that you might incur. Is there a way of thinking creatively and reducing your overall costs so that there's more pennies to save or spend on lovelier things?