Hyundai Santa fe

Aquila

I have the above tow car. It's a 2.2 auto diesel. It's an 07 reg and is approaching 100,000 miles. I am about to pay £500 to have the drive belt replaced. It tows beautifully but is getting on. I am advised that the SH value won't change much over the nex12
months. So I am thinking of taking a year off from finance payments and maybe replace next year. What would you do?