The presence of a foreign car is still associated with wealth for many of us. It seems that any car is a waste, a waste, and again a waste, especially if it is a foreign car. Purchase, gasoline, repairs … In fact, everything is not so difficult, and even a person with an average salary can afford to have a car.
Instructions
Step 1
First of all - why do you need a car? It's one thing if you have a large family, you often go to the country house, plan to travel. Then the best way out is to buy an SUV. It is quite expensive (from 1,000,000 rubles), but you can always buy it on credit or ask about used SUVs, which will be much cheaper. It is convenient to travel in a small car in the city. Almost all firms produce small cars, and they are inexpensive (on average, from 300,000 rubles). Once you have decided what kind of car you need, it will be easier to determine both the amount of money and the method of purchase.
Step 2
For most of us, even 300,000 rubles is an impressive amount. Therefore, it makes sense to take a car loan. Of course, having a loan means overpaying for a car, but many find it easier to give away every month not a very large part of their salary (from 10,000 rubles) for 3-5 years than to save for a long time, especially since inflation will “eat up” part of the money anyway. Thus, in order to take out a car loan and not inflict a serious blow on our budget, most of us should achieve a salary increase or promotion or cut some expenses.
Step 3
The process for obtaining a car loan is quite simple. It is necessary to come to a car dealership, choose a car, its configuration and additional equipment. The employees of the credit department of the car dealership will select the banks with the most favorable credit rate for you (as a rule, car dealerships work with several banks at once) and calculate the approximate amount of the down payment, insurance and monthly payments. After that, you will need to collect all the documents (provide a passport, international passport, a certificate from work about your salary) and wait for the banks' decision, and then choose the most convenient option. After making the first installment, the car can be picked up.
Step 4
Some people choose to buy used cars. There is a certain risk in this - the former car owner may sell you a faulty car. However, if you are confident in the seller and in the car, then this is also a good way to quickly buy a car. A used car is not always a cheap car, but it is still easier to earn half a million rubles than a million.
Step 5
Actually, if you have already identified a goal (for example, to buy a Ford Focus), have determined how much you will need to invest in it, then it will be easier to make money on it than it seemed initially. In general, making money for a specific goal is easier than for an abstract one, since a specific goal (a specific car) is a motivator. First, try to estimate how much money you need to set aside for a car per month to make money on it, for example, in two years. The amount, of course, will not turn out small. To save that amount on a monthly basis, there are the following ways:
1. start keeping a diary of expenses, analyze them, cut down on unnecessary expenses (for example, you can have dinner more often at home, and not in a cafe - the car is worth it).
2. look for a part-time job. Most of us work from 9 am to 6 pm, five days a week. It is quite possible to invest part of the remaining time in your car - for example, take additional projects for work and get more, earn extra money at home (this is especially true for journalists, translators, programmers).
3. to seek a promotion at work.
It is best, of course, to use all the methods described. You probably shouldn't expect quick results, but you can save up a certain amount to buy your car pretty soon.
