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If you have long understood that a personal car is necessary as air, but you don’t have extra money, and you don’t dream of such an expensive gift - do not 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 the cherished goal. Two years of self-control, after which you can be proud of the cherished purchase. Yes, perhaps it will be a budget version of the car, but imagine how much pride you will have, knowing that you were able to make an expensive purchase yourself.
To begin, you will need to learn how to save on almost everything. To reduce the temptation to spend money - keep it in a foreign currency, and even better - open a bank account.From there, soon you will not take them for sure - you will lose the percentage, but you cannot buy an absolutely unnecessary thing. Studies have repeatedly proved that people are less willing to part with large bills. As an option for accumulating money - changing small ones to larger banknotes is also not bad.
Try to write in your notebook every purchase within a month. Then cross out those things you could do without. You will be pleasantly surprised that half of the purchases from your list will be deleted. Analyze your waste, choose what you can do for sure without. Expensive clothes, rest and other entertainment - all of this will have to be either completely abandoned or to infringe upon itself to some extent. Learn how to spend money wisely. Try to spend less in each month than in the past.
How to put off money to buy
In order to save money for an expensive purchase, you should limit yourself to dates. Choose a 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 conditional cliché, but an excellent incentive to really save money. To save money on a car of the budget option, you need to save from 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 beginners not to buy new and expensive cars. Two-year and three-year-old foreign models are ideal for new drivers. This is a great opportunity to learn to feel confident on the road, and in the event of an emergency such a car is not so pitiful. The price of these cars is much lower than on new models from car dealerships. But if opportunities allow, it is better to buy a new, not too expensive car.
Do not forget that you need to save a little more money from the specified price for a car. You will need to spend money on maintenance - registration registration and insurance, installation of alarm systems. Next, you will need to install protection on the crankcase, buy a set of seasonal rubber depending on the time of year, buy floor mats and various accessories.
Options for savings 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 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.
There are other options for earnings. You can find a second job or some kind of part-time job. Try to find additional income options. Then the "second" earnings can be safely put off and not live a strict framework of economy. Yes, of course, you will be constantly at work, fighting with wild fatigue, but think that in this way you can buy a car yourself. Credits, loans - these are all, of course, excellent options, but choosing such a method of purchase, you will have to pay huge interest to banks and car dealerships. Before you decide 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 of accumulation. Not all of us can competently invest money in a bank and store it there. Due to the usual misunderstanding and constant growth of inflation, you can lose all your savings. In the best case, it makes sense to keep the money on the deposit for two or three years maximum. In the most successful option will purchase real estate. For example, you buy an apartment or house and rent it out, and you can safely defer payment from tenants.
The principle of "latte", or how to save on the little things
Everyone has heard the story of a girl who works in an office and earns 20,000 rubles a month, while she buys herself coffee every day for 130 rubles. So, having calculated its consumption only for coffee, it turned out that in one year the amount would be equal to 36 thousand rubles.
But if she had not only refused a little pleasure in the form of a cup of this drink, but had invested the money saved wisely, then, taking into account interest, in ten years she could have had a rather round sum of money. The "latte principle" perfectly shows a person that by giving up some trifles to ourselves, we can correctly save. Of course, it is very important to learn how to properly invest the money saved.
Thus, we came to the conclusion that it is quite possible to buy a car for your money. For 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 yourself. Remember, everything is in your own hands!
Video: how to save money
To send
We did, bought the car a little worse, but newer than we would like. And after a few purchases, sales, we still came to our dreams. I remember Avito from head to toe studied to understand how to better sell, buy, the only thing that they understood, the more you write and you throw photos, the more people call you.