It's not just a golf to him though it's his pride and joy! Don't forget we're on a enthusiast website for the appreciation of these cars!Everyone's circumstance is different so hard one to help you with but you'll regret selling this car.You seem like an intelligent guy as you have a mortgage and chose a VERY good car so knuckle down and put the hours in and do the house work yourself to save a few £££.A house is never finished, they'll always be something left to do.