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If you have long understood that a personal car is necessary as air, but you don’t have extra finances, and don’t dream of such an expensive gift, don’t despair. There are many ways that make it easy and painless for the budget to accumulate a large amount of money. The power of inner desire and self-discipline will lead you to your cherished goal. Two years of self-control, after which you can be proud of a treasured purchase. Yes, perhaps it will be a budget option for a car, but imagine how much you will experience pride, knowing that you were able to make an expensive purchase on your own.
To begin with, you will need to learn how to save on almost everything. To reduce the temptation to spend money - keep it in foreign currency, and even better - open a bank account. From there, soon you will not pick them up for sure - you will lose the percentage, but you will not be able to buy an absolutely unnecessary thing. Studies have repeatedly proved that people are less willing to part with large bills. As an option of saving money - changing small to larger banknotes is also not bad.
Try to write down your every purchase for a month in a notebook. Then cross out those things that you could do without. You will be pleasantly surprised that half of the purchases from your list will be crossed out. Analyze your waste, choose what you can do without for sure. Expensive clothing, leisure and other entertainment - all this will either have to be completely abandoned, or to infringe on yourself to some extent. Learn to spend money wisely. Try to spend less each month than in the past.
How to save money on a purchase
In order to save up money for an expensive purchase, you should limit yourself in dates. Select the day of purchase and proceed. For example, in European countries it is considered that the price of a car should not exceed eight monthly salaries. Of course, this is all a conditional cliche, but a great incentive to really save money. To save money on a budget option car, you need to save between 10% -30% of wages. Naturally, if you manage to earn above average, you can afford a car and more expensive. It all depends on the individual capabilities of each of us.
Motorists advise newcomers not to buy new and expensive cars. Foreign models of two, three years ago - ideal for new drivers. This is a great opportunity to learn how to feel confident on the road, and in case of emergency such a car is not so pathetic. The price for these cars is much lower than for new models from car dealerships. But if opportunities allow, it is better to purchase a new, not too expensive car.
Do not forget that you need to save a little more money from the specified price of a car. You will have to spend money on maintenance - registration and insurance, installation of an alarm. Next, you will need to install protection on the crankcase, buy a set of seasonal rubber, depending on the time of year, buy mats and various accessories.
Savings options and additional sources of income
You can act completely differently. You may already have a car, but you want a newer model. Here you need to learn how to approach the cherished goal gradually. For example, initially you can buy a less expensive car, but younger than yours. After a few years, repeat the same operation again.Thus, you will come to the cherished goal - and you will not have to strictly limit your expenses, control the budget.
Other earning options are possible. You can find a second job or some part-time jobs. Try to find additional income options. Then the “second” earnings can be safely put off and not live by the strict framework of savings. Yes, of course, you will be constantly at work, fighting wild fatigue, but, think that in this way you can buy a car yourself. Loans, loans are all, of course, great options, but choosing this method of purchase, you will have to pay huge interest to banks and car dealerships. Before deciding on such a purchase, be sure to analyze the profitability of the purchase.
It is very difficult to advise correctly. Each person must choose for himself the right path to accumulation. Not all of us can correctly invest in a bank and store them there. Due to the usual misunderstanding and the constant growth of inflation, you can lose all your savings. In the best case, it makes sense to keep money on a deposit for two to three years at most. In the most successful option, you will purchase real estate. For example, you buy an apartment or a house and rent it out, and you can safely postpone the rent from tenants.
The principle of "latte", or how to save on trifles
Everyone heard the story of a girl who works in the office and earns 20,000 rubles a month, and every day she buys herself coffee for 130 rubles. So, having calculated its consumption only for coffee, it turned out that in one year the amount would be 36 thousand rubles.
But if at the same time she would not only give up a little pleasure in the form of a cup of this drink, but also correctly invest the money saved, then taking into account the interest in ten years, she could already have a pretty round amount of money in her account. The “Latte principle” perfectly shows a person that by denying ourselves some trifles, we can competently save. Of course, it is very important at the same time to learn how to correctly invest the savings.
Thus, we came to the conclusion that buying a car for your money is quite realistic. To do this, you need to learn how to save money, find additional sources of income. To be able to deny yourself the little things and have a great desire to make a purchase on your own. Remember, everything is in your own hands!
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We did, bought a car a little worse, but newer than we would like. And after a few sales and purchases, we nevertheless reached our dream. I remember Avito from head to toe studied in order to understand how best to sell, buy, the only thing that they understood, the more you write and throw pictures, the more people call you.