Very tough decision. If you are paying finance, then you probably have little equity. If you sell the car and buy something cheaper, the saving in fuel could easily be lost in the changeover or in the amount of money it could cost to ensure the cheaper car is road worthy.
If you intend to keep the clio for a few years, then I would stick with a known good car and smoke/drink less.
If you intend to keep the clio for a few years, then I would stick with a known good car and smoke/drink less.