Can I save money for a car? Can. We take loans for which we regularly pay monthly installments. Having reconsidered your attitude to the issue of spending money, it is quite possible to put aside a tidy sum for a future purchase every month.
Modern people have forgotten how to save money. Many of us find it difficult to save the certain amount needed to buy a stool, let alone a car. It is easier to take out a loan in order to repay the specified amount on a monthly basis within the strict framework of a drawn up agreement on obligations. That is, it is important for us that the external factor should strictly regulate the attitude towards money. In this case, every month the required amount for the payment of interest is found.
There is an exit?
Is it really so difficult to set a goal and, for example, accumulate the amount necessary to buy a car in a year? If the salary allows you to save at least 10-20% monthly, then it is quite possible to have the required amount already after a year to purchase the long-awaited car.
There are a number of personal issues to consider in order to have the cash to buy a car.
Stage one
Decide how much money you need to make a purchase. After all, you can buy a car for 200 thousand rubles, or you can buy it for 2 million rubles. You need to build on the monthly income and the availability of existing savings.
Stage two
Calculate how much money can be saved each month so that it does not greatly affect the well-being of the family. After all, it is impossible for a child to not be allowed to attend paid karate classes, or to forbid to ride a bicycle, as it can break. You shouldn't save too much on food and clothing either.
By the way, if you look closely at our everyday life, you will notice that we often buy things and products, obeying advertising urges. After we regret buying, but it's too late. Be careful when shopping. If you are looking for groceries, do not go on an empty stomach! Psychologists have proven that a hungry person buys much more food than a full one.
Stage three
You can write down how much money will go for certain items of expenditure. This may include articles on buying things, groceries, paying for the maintenance of housing, visiting a fitness center, and so on. Then put the money in different envelopes, writing the purpose on them. It will turn out to be a kind of targeted use of the family budget. The remaining amount will be used to purchase the future car.
Stage four
Look at your life from the outside. If you smoke or like to drink beer in the evening while sitting in front of the TV, limit yourself in this at least half, or even give up bad habits. This will save you a significant amount.
Stage five
If you already have a certain amount, you can invest it. In this case, it is important to correctly approach the investment process. It is good when there are acquaintances who have managed to achieve results in this field. They will help with advice and explain the nuances.
Summary
You can save up for a car by yourself "putting" yourself in a stressful situation of saving money. You can simulate the state of affairs that you have to put a certain amount of money in an envelope every month. As a result, after a given period of time, save up money and buy a car without resorting to the help of banks. Banks do not give money without interest!
