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OK, so we want a new car (it doesn't have to be brand new), but I have no idea where to start in terms of getting the best VFM. I am not looking for what car to buy, we have a shortlist of cars but importantly is how and what to do with current cars.

So we have 2 cars which we have owned for almost 10 years now, both finance free etc. A 2010 Volvo XC90 with 100k on the clock and well used 4 kids interior! Probably worth about 5k, and a 2009 Astra is probably worth a grand at a push.

Do we sell them both and use the cash as a deposit? do you leave only the smallest possible deposit? I suppose the key for me is I want lower monthly payments. PCP, lease, finance, what's the best way?? take them both to a dealer to chop them in?

If it has relevance, we are looking at replacing both with only 1 car, a seven-seat, something like a Q7, XC90, Skoda Kodiaq (I want a Tesla X, cant afford!)