The number of people who drove cars to work came down from 2001 to 2011 but is still at more than half the working population. People who use trains to get to their workplaces are just 5 percent of the working population. Those using buses to commute are slightly higher at 7 percent. The decrease in those driving to work over the first decade was also matched by a decrease of those who commuted as passengers. The use of public transport gained over one percentage during the ten years and was around 16 percent in 2011. Another factor that led to the drop in driving by car was that the number of people working from home edged ahead during the first decade of this century to cross the signpost of ten percent. In the north though, the patterns are opposite to these trends. Customers who are convinced about the technology of a car and its engineering quality will be goaded to make an investment of a lifetime. A car can become a part of the household infrastructure and continue to perform for many years continuously just like how we expect our houses to last through a lifetime. Going in for a car from one of the reputed manufacturers, the car provides the services that it is designed for to the fullest efficiency with regular maintenance. For customers looking for a vehicle to last them over the long term, the option of Hire purchaseand bad credit car finance is the simplest avenue to go in for a purchase. With this model, the vehicle does not belong to the customer until the monthly payment schedule comes to a close. If there is a default in the payments, the car will be taken back by the company providing the finance. If more than a third of the payments have been made, the finance provider will have to go through courts to get back the vehicle. The customer has the option of terminating the agreement by returning the car and paying half of the contracted amount. The payments for the car become a part of the financial planning and the monthly outgo is added slightly for the new addition to the family’s assets. The model can also be used to finance the purchase of used cars if the budget is on the lower side. It has been estimated that the average weekly expenditure by a household in the UK is £2.40 if the purchase is a new vehicle. For the purchase of a used vehicle, the average weekly expenditure is higher at £3.30. Within an average total weekly expenditure of £489 by a UK household, the costs incurred on acquisition of a new vehicle are very minimal. The expenses made on utilising the car works out to £36.40 on average. This includes £2.60 on spares and accessories, £24.70 on fuel expenses, £6.80 on repairs and servicing and other costs of £2.40. The expenditure of £36.40 as a result of owning and using a personal vehicle compares with £10.50 which is the average expenditure for using transport services by a household every week.
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