13% is a lot when it comes to € or dollars. Many banks still offer no interest. Fixed deposit can stand at 4-6%, I would believe. I recently heard that in europe it is smart to sell your car now and buy again in the next year, because the cost of gasoline is rising, the Co2 tax and more else. This could also save money, if it works. I always try to do something that not all people do, so that i have maybe a chance of a higher profit.