finance is fine as long as you are sensible and have what is affordable. Being an old git my advice to a younger man would be to save like crazy when you get your first job stick six months salary in the bank in case you lose you job( safety net) buy a £800 run around and finance a nice car to use at weekends which will not loose much money in three years. That way after three years you have a nice car in the garage all paid for which you have also enjoyed. Then do the exercise all over again. Do that three times and you will be driving around in a £50k car all paid for.
If only life was that easy!