How to save money on a car? How to save money for a car?

Of course, the car has long ceased to be a "sky-high" dream, the fulfillment of which took many years, as it was during the life in the country of the Soviets. In the USSR, in order to buy a car, you had to save money for a long time.

The car is not a luxury

And today the purchase of the "iron horse" - this pleasure, as they say, is not cheap. Nevertheless, hundreds of millions of Russians each year acquire new cars. After all, the machine becomes more accessible in modern conditions. This is explained by the fact that automakers are trying to produce models that would satisfy the needs of people with different levels of income. However, the situation is still far from perfect, so a significant part of the citizens of our country still have to save money to become owners of the car. Of course, they are intensely thinking about how to store, as they say, quickly and not in a hurry. The following recommendations will undoubtedly be useful for those who dream of acquiring an "iron horse".

So, let's move to a practical consideration of the question of how to save the car for everyone who so crazily wants it.

Setting a clear goal

Naturally, you should understand that one desire to buy cars is not enough. First of all, you need to determine which "iron horse" you need, its brand, color, technical characteristics. Determine in advance how much financial resources will be required to purchase a vehicle. Remember, the more strongly you are motivated by the deal, the clearer in your head will be the goal of how to save the car as quickly as possible. If your desire to buy a car will be burning, then be sure that it will necessarily be fulfilled.

Competently plan your budget

You have to learn how to control your family budget. Analyze your own expenses. Perhaps, you have bad habits? If you smoke, for example, 2 packs of cigarettes a day, spending on it from 150 to 200 rubles, then you should think about how to get rid of nicotine addiction. This will significantly shorten the time to realize your goal. It is not excluded that at the end of the working week you are accustomed to rest in the company of your colleagues at work or co-workers for a glass of expensive cognac. To solve the question of how to save money on a car, without delaying the case in a long box, you will have to cut this expense item. Think about how you can optimize your other expenses. If you manage to do this, you can save 15-20% of your income to buy a car. At the same time for you, such a budget cut will not be too burdensome.

Conservation and accumulation of funds

After it turns out to postpone a certain amount of financial resources, the question arises as to where and how to store them, and it is good if they make a profit. Of course, if you keep your savings "under the pillow", you still do not solve the problem of how to save for the first car soon and promptly.

There is an option to open a deposit in a banking institution, but you will not earn a solid profit from it, at most, what you can expect is 10 percent per annum.

Investment of capital

There is a more advantageous way by which the question of how to save money for a car is quickly solved. Which one? Investment. You can invest your financial assets in securities, PAMM-accounts, Internet portals, Mutual Funds, "Forex". All of the listed tools can guarantee you a very serious profit, the main thing is to learn how to competently manage them.

At present, such a source of enrichment as trust management in currency trading "Forex" is quite widespread. Before investing your blood here, you must understand the principles of doing this business, otherwise you will not only not decide how quickly to save up for a car, but also lose all your saved savings.

Remember that any investment involves certain risks, so if you are determined to do this, then use not all of your money, but only a part of it.

Car Loans

At present, those people who need a car in the shortest time, for example, for doing business, are offered to arrange it on credit. Of course, if the conditions for a person are not unduly burdensome, then such an option for acquiring an "iron horse" should not be ignored. Compare the offers from different banks and choose the most profitable ones. You will only have to apply to a financial institution, to issue the necessary papers and the keys to the car will be on hand very soon. All. Solve the problem of how to save money for a car, you no longer need. However, in return, you will receive another one - on a monthly basis, you will need to pay in time a certain amount of money to repay the loan, and with interest. Which option to purchase a car is better - it's up to you.

At the same time, employees of banking institutions themselves, giving unspoken comments about the advantages and disadvantages of lending, say that one should not take money for cars, which will soon begin to fall in price. Otherwise, you risk paying a double price for it. In addition, you will be required to pay interest on the loan, make out an insurance policy and other additional costs.

What is the situation in European countries?

Of course, Europeans, as well as Russians, like to ride comfortable and fast cars. However, they approach the acquisition of vehicles more carefully than our compatriots. Residents of the "Old World" always soberly assess their financial capabilities and do not undertake to make a purchase for an amount that exceeds their eight-month income.

How to become an owner of a car to an ordinary student?

Today the car is the limit of dreams for young people. Students in high schools just sleep and see how they manage some high-speed and maneuverable car. But how to save a student on a car and is it possible ? Of course, this is not an easy task, but as you know, nothing is impossible in the world. But young people will have to seriously limit themselves in the funds and strictly control all their expenses. Again, you need to start with setting a goal and determining a specific date, when it really needs to be executed.

Also it is necessary to think about employment for the period of study. It only remains to postpone part of your earnings for the realization of your goal.

Conclusion

Of course, you can not invest your hard earned money, fearing that you can lose them in one hour. And in this case, you still buy a car, but only in fifteen years. If you want to accelerate this process, then without risk you still can not do. You just need to remember that any risk should be justified.