The dilemma:
As a keen horse rider and mountain biker, Ellen bought her Hyundai Santa Fe two years ago secondhand. But she's finding it expensive to run, especially as she's more into two wheels than four hooves.
"I need something that can fit my mountain bike," she says.
She lives in a semi-rural location and spends a lot of time on the motorway - to work and to Rotorua for its many bike trails.
"I don't know whether I should trade in the Hyundai with a Hyundai dealer and get a hatchback or sell it privately and put the money towards a Mitsubishi ASX," she asks.
With a teenage son, she needs something with room that's economical.