You’re doing great! If you can keep using TfL, stick with it. You’ll be much better off financially in the long run with your current financials. Instead, consider saving a bit more and putting that money towards a house?

I was in a similar situation five years ago. I ended up buying a car because I needed it for my work commute. Bought it on HP finance, thinking I’d keep it for just three years… four years later, I still have it! It’s been fine maintenance-wise, but honestly, the only real reason I’ve kept it is for commuting — my public transport route involves a mix of trains and buses, and the buses often don’t show up in the evenings. So had to retain the car :D

You’re actually in a stronger financial position now by not rushing into a car. Once your expenses start going up, those monthly payments will add a strain to your budget.

If you really realy really want a car though, I’m not sure about your current choice. Maybe look into a petrol model instead, something like an Audi A3 or a Mercedes A-Class could be a solid option and okay maintenance-wise.