Taken all comments onboard folks

i started off 5 years ago with a knackered sieara diesel estate,used that until it got written off,have had the van coming up for 4 years now,and if i added everything up i spent on it it wouldn`t be that much.
Got hit in the back,so got new rear door from that,got hit twice in the same place,got new drivers side wing for that.
The only thing that lets it down looks wise,is the usual rust spots around the rear arches,which i was planning on doing myself.
Monday was only the second time it`s been in the garage,other than when i fitted the new clutch and turbo,as i did that in a mates garage over a weekend.
It`s never been unreliable really,turbo going was my own fault for tanking it back from Yorkshire,while my wife was sleeping.
As Colin says,i also think i am going to knock yellow pages on the head,next time around,then use the money i was paying them to possibly finance a newer one,also need to look into taking on a mortage,as i am 40 in april.
But hey ,it could be much much worse,i could still be working as a chef,doing stupid hours,for little money and being unhappy.
I earn a decent living,my quality of life is much much better than it ever was,i enjoy my free time more.
I don`t want to get to the point where i am employing more staff,my wife used to have about 15 staff on her books until the revenue screwed them over,just don`t want the stress.
I get home on an eve / afternoon,knowing i have done a good days work,and i can relax without stressing about tomorrow !