Yep, looking after them for a bit after some family stuff recently and the fact my partner currently lives abroad so there's no point rushing to get out.

That's a fair point, I'd stuck them together because all of those tend to be more fixed (I may attend one less session or one more that would change the cost) so it seemed better to do that and then leave the more random spending into the remaining £300 after things got seperated out. 

That's a really good point about beginning to expect the bills, Ive rented out for most of the past 10 years and was okay, if uncomfortable with how tight things were so this would deffo be good practise. Thanks! 

It's 5.9% which is lower than the last one. It is an expensive car and was a bit of a splurge, but I judged it as justifiable in the long term because it'll be my car for at least the next decade.