Being in hock for £18k on a Focus - personally, not a good idea mate. You'll be the wrong way on it until you're 2/3 of the way through paying for it, so if you do go through with it you'll be keeping it for a while. Or take a bath when you settle it.
As said though, if you can afford it and can afford to maintain it properly (which preserves residuals) then why not ?
Last edited by Mr S1; Jul 18, 2014 at 07:28 AM.