edit: Just want to add something
Personally, I think you have the wrong car, 40k a year in a VR4 will kill you in running costs, thats near enough a cambelt every year, about 4k in just oil changes with good fluids
Suspension parts and cheap and will break
What you want is a V624v or GLS POWAH! I really dont want to dishearten you but last year cost me about 8k all in to run my car and that was around 10k miles done in it, we are a friendly bunch on here and I think what I am saying most will agree with, we just try to give the best advice we can
40k a year in a VR4 will not do it any justice or your pocket any good, you have said that over £150 is a lot of cash to you, please please think about this, as I dont think this is the right car for you, with that mileage and your financial status. Work on the basis if you cant afford to insure it, you cant afford to run it, please think about this