Of course, the car has long ceased to be a "sky-high" dream, the fulfillment of which took many years, as it was during life in the country of the Soviets. In the USSR, in order to purchase a car, it was necessary to save money for a long time.
A car is not a luxury
And today, buying an “iron horse” is a pleasure, as they say, not cheap. Nevertheless, hundreds of millions of Russians acquire new cars every year. Still, the car in modern conditions is becoming more affordable. This is due to the fact that automakers are trying to produce models that would satisfy the needs of people with different income levels. However, the situation is far from perfect, so a significant part of the citizens of our country is still forced to save money to become owners of the car. Of course, they are intensely thinking about how to accumulate on the machine, as they say, quickly and without delay. The recommendations below will undoubtedly be useful for those who dream of acquiring an “iron horse”.
So, let's move on to a practical consideration of the question of how to accumulate on a machine to everyone who so insanely wants it.
Setting a clear goal
Naturally, you should understand that one desire to buy a car is not enough.
First of all, you must determine what kind of “iron horse” you need, its brand, color, technical characteristics. Decide in advance how much financial resources will be required to purchase a vehicle. Remember, the more motivated you are to make a deal, the clearer the goal will be looming in your head about how to accumulate on the machine as quickly as possible. If your desire to buy a car will be burning, then be sure that it will come true.
Plan your budget wisely
You must learn 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 from 150 to 200 rubles, then you should think about how to get rid of nicotine addiction. This will significantly reduce the time to achieve your goal. It is possible that at the end of the working week you are used to relaxing in the company of your work colleagues or colleagues for a glass of expensive cognac. To solve the question of how to save up for a car without putting the matter back in the long drawer, you will have to cut this expense item as well. Think about how you can optimize your other expenses. If you manage to do this, then the free 15-20% of your income can be set aside for the purchase of a car. At the same time, such a budget reduction will not be too burdensome for you.
Conservation and accumulation of funds
After it turns out to postpone a certain amount of financial resources, the question arises of where and how to store them, and it would be good if they made a profit. Of course, if you keep your savings “under the pillow”, you still will not solve the problem of how to save up for the first car soon and quickly.
There is an option to open a deposit in a banking institution, but you will not get a solid profit from this, the maximum that you can count on is 10 percent per annum.
Investing capital
There is a more profitable way by which the question of how to save money for a car is quickly resolved. Which one? Investment. You can invest your financial assets in securities, PAMM accounts, Internet portals, mutual funds, Forex. All of these tools are guaranteed to bring you a very serious profit, the main thing is to learn how to properly manage them.
Currently, such a source of enrichment as trust management in foreign exchange trading "Forex" is quite common. Before investing your hard-earned money here, you must understand the principles of running this business, otherwise you will not only not decide how to quickly save up for a car, but you will also lose all the accumulated savings.
Remember that any investment is fraught with certain risks, so if you are determined to do this, then use not all your money, but only part of it.
Car loans
Currently, those people who in the shortest possible time need a car, for example, to conduct business, are offered to issue it on credit. Of course, if a person’s conditions are not overly burdensome, then this option of acquiring an “iron horse” should not be ignored. Compare among themselves offers from various banks and choose the most advantageous one from them. You just have to contact a financial institution, draw up the necessary papers and car keys very soon will be on hand. All. You no longer need to solve the problem of how to save money for a car. However, in return you will receive another - every month you will need to make a certain amount of money on time to repay the loan, with interest. Which option is better to purchase a car - it's up to you.
At the same time, employees of banking institutions themselves, giving tacit comments on the advantages and disadvantages of lending, say that you should not borrow money for a car that will start to fall in price very soon. Otherwise, you risk paying him a double price. In addition to this, you will be required to pay interest on the loan, draw up an insurance policy and other additional expenses.
What is the situation in European countries?
Of course, Europeans, like Russians, like to ride in comfortable and high-speed cars. However, they approach the purchase 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 ordinary student a car owner?
Today, a car is the ultimate dream for young people. University students just sleep and see how they drive some kind of high-speed and maneuverable car. But how can a student save up for a car and is it possible ? Of course, this is not an easy task, however, as you know, nothing is impossible in the world. But young people will have to seriously limit themselves in their means 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 fulfilled.
You should also think about employment for the period of study. It remains only to set aside part of his earnings for the realization of his goal.
Conclusion
Of course, you can not invest your hard-earned money anywhere, fearing that you may lose them in one hour. And in this case, you still buy a car, but only after fifteen years. If you want to speed up this process, then you still can’t do without risk. It is only necessary to remember that any risk should be justified.