Originally Posted by m@rk
You need to be careful.
And lets be honest, if fuel economy is top of your list of importance then a 6 cylinder diesel engined car is not the right thing to be buying in the first place.
I see what your saying. Fuel economy was near the top of my list when I bought the Audi. Put because it was so shocking, I ended up with the 335d. And get better fuel economy from that. Knowing what I know now, I probably would have just went for the 3.0 TDI straight away.
On the finance question. As m@rk said, I generally reduce my deposit to as low as I can (but still enough to cover the initial depreciation after buying the car), and consider the monthly payments the cost of owning such a car (i.e. the depreciation). That way, at the end of the term, or any point throughout the term, if there is no equity left, then I am not surprised. Buying a new or nearly new car is never going to be an investment, so it comes down to how much you are willing to pay, per month, to drive the car in question.