That's not an "EVs are expensive" thing though, that's a "anything is more expensive than an old diesel Focus" thing.
Just skimming the AA, there's a
70-plate base-model Tesla 3 with 19k miles on the clock for £22k, PCP £396pm, 0-60 in 5.3s,
238 mile real-world range when new.
And there's a
70-plate Focus 1.5 Tdci with 15k miles on the clock for £20k, PCP £373pm,
0-60 in 9.9s, 54-59mpg, 561 miles per tank.
Assume the new Focus does the same 58mpg as your current one, that's 15.3 miles per litre, so if you are averaging 1,333 miles per month (16k/year) that's 87 litres per month. Average petrol price in Glasgow is currently
140.9p, diesel will be a bit more but we'll pretend it's petrol so you can add diesel costs of £123/month to that PCP cost to make a monthly total of £496/month.
The Tesla does about 4 miles to the kWh, on the
Intelligent Octopus Go tariff you can charge overnight for 7.5p/kWh, so your 1,333 miles per month would cost £25 for a total of £421/month.
Last time I looked, £421 was less than £496...
You're out on the cost of a home charger -
Checkatrade reckon a Tesla charger costs £499 and average installation is £500 so £999 total - that's about 10 months of the difference between diesel and electricity costs. And in theory since you're only doing 60 miles (15kWh) a day you could trickle charge overnight off a normal mains plug.
And did I mention 0-60 in 5.3s versus 9.9s?