Word. If I where to start again, I'd just have a old 106, 300 quid tax an mot runner, if it got binned, providing it was only the car involved, no other parties injured, scrap it, start again. Cheap to run, tax an insure. Would keep you going for long enough to build up good experince. Then get a powerful'er car. Obviously dont jump into something daft, but just build your way up