4 Smart Steps That Can Help You Buy a Dream Car – Cermati.com

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Edited bySiti Hadijah23 November 2021

Having an exclusive four-wheeled vehicle as a virtual lot of people, maybe you’re the only mistake. Exclusive vehicles will allow you to do many things more freely, especially if you are a person who has high movements. 

But in reality, this one asset is not always easy to produce, because the price is quite expensive. You need to collect a lot of money first, to be able to realize your dream on this one.

If you really want to buy a car, then make sure you make sure you make this a single target error in your finances. You will certainly need a long time to collect funds, especially if you do not have savings for this one need at all. 

But don’t worry, using some smart steps and powerful commitments, you can undoubtedly afford it. Manage your money more tightly from now on & focus your financial goals on the four-wheeled vehicle of your dreams. 

Here are some smart steps that you can do to immediately buy a virtual four-wheeled vehicle: 1. Focus on savings regularly

Saving is one of the points that you must immediately do on finances from now on. The price of a four-wheeled vehicle can be trusted lightly, as a result of which the portion of your savings must also be quite large every month. 

Although you can’t buy a four-wheeled vehicle in cash, at least you have to collect more money that can later be paid as a down payment. The greater the down payment you pay at the beginning, the lighter the debt burden that you will have to pay off. 

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Determine the perfect portion of savings and you can allocate every month. Remember, do not force yourself to save too much money every month, because you also have to meet your various basic needs well. 

Ideally you save at least 25% according to income every month for the needs of purchasing this four-wheeled vehicle.

For example: if your honor every month is Rp 8 million, then allocate 20% for savings to buy this four-wheeled vehicle. 

Rp 8,000,000,- x 25% = Rp 2 million. 

Based on the above scheme, then in a full year you have been able to raise funds of Rp 24 million. Save consistently and allocate funds as soon as you receive a salary every month. This will prevent you from delaying or even eliminating it for exclusive reasons. 

2. Frugality and cutting expenses are not crucial

It’s not enough just to save, you also need to make savings in finances. Focus on your goal to buy a car, then put aside a lot of other not-so-important desires, such as traveling and others. 

The allocation of savings of 25% is very likely to make your financial terms change, as a result of which you need to make adjustments in some of your habits on spending money. 

Start making savings in finances, you are able to cut a lot of expenses that are not so crucial. Reduce a lot of hobbies or habits that drain money, for example: snacks, hanging out at cafes, shopping for clothes and shoes, and others. 

All this will allow you to save more money, as a result of which more funds can be allocated into your car purchase fund later. 

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Also Read: Tips for Buying a New Car to Get the Best Deals Dealers three. Choose one that is in sync with your financial capabilities

Don’t forget to stay realistic using your dream on this one. No need to force yourself to buy the latest car that is unusually expensive, especially if your budget is not enough. 

Instead of putting maximum benefits, buying a car like this can actually lead to financial problems. Avoid buying a four-wheeled vehicle outside your budget.

Choose a perfect and synchronized car using your needs, of course, in accordance with the budget you have. If you are not able to buy a four-wheeled vehicle under new conditions, then a used car can certainly be a consideration. 

Currently, you can find a choice of used four-wheeled vehicles sold are still in excellent condition. While preparing the funds, you will have a poly time to consider & choose one of them. 

4. Start investing

In addition to saving, you also need to consider making investments. Instead of savings money settling on the bank alone, it would be much better to invest it. 

You can receive a number of benefits for this one activity, so that the value of savings is not eroded by the impact of too long to settle in savings. 

If you are afraid of high investment risks, then you are able to determine investment instruments that are more conducive, such as gold and deposits. 

Also Read: Tips for Choosing a Cheap Car and Irit Buy Your Dream Car using the Right Way

For those of you who have long wanted to have a four-wheeled vehicle, there is no harm in making it happen immediately. Organize your finances & focus on achieving this one goal from now on. Save more poly money and make savings and investments, so that your dream of having a four-wheeled vehicle can immediately become a phenomenon.

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Also Read: 7 Tips for Buying the Right Car for Your Family

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