Edza Izvi Zvichibva Mentality: Ita Car Car Payment Kwako
Kamwe kamwe, une $ 200 kusvika $ 400 pamwedzi mubhadharo yako. Chii chauchaita nezvose zvinowedzera mari?
Heino pfungwa yangu: Ramba uchitenga motokari - iwe pachako.
Vanhu Vakawanda Havasati Vachengetedza Imotokari
Vanhu vazhinji "havazivi" iyo iyo yakawedzerwa $ 200 - $ 400 pamwedzi inoenda. Vanopedza chikamu nechidimbu.
Chimwe chikafu chekudya chekudya ($ 35), shangu mbiri itsva ($ 30), uye chifukidzo!
Vasati vazviziva, $ 200 pamwedzi yanyura pasi.
Inopfuurira kwemakore kusvikira, rimwe zuva, motokari yavo inoputsika uye mechanic inoti hazvina kukodzera kugadzirisa. Yenguva yekutenga imwe yemotokari.
Asi havana mari iyo inoita kutenga. Vanoitei?
Vanotorazve imwe chikwereti chemotokari. Vanoita mari yekubhadhara $ 1 000 uye chiratidzo chekwereti yemakore mashanu nebhadharo ye $ 200 kana $ 300 pamwedzi.
Vanopedza zviuru zvezvikwereti zvekufarira. Vanopedza mazana emamwe mu inshuwarisi sezvavanoda kugoverwa zvikuru pamusoro pehupenyu hwechikwereti.
Ungadzivisa sei izvi? Gadzirira mutero wemotokari iwe pachako.
Ramba Uchiita Izvo Zvimwe Motokari Mari
Unofanira kubhadhara mari yemotokari here? Muzviitiko zvakawanda, hongu, kunyanya kana imwe nzira yako iri kutora chikwereti chakawandisa, uye kushandisa mari yako pazvinhu zvisinganzwisisiki sezvokudya zvekudya zvekudya uye mazororo ekugara.
Vanhu vazhinji vangada kutenga motokari yavo mune mari, asi havana mari iyo yakatarisana kana yava nguva yekutenga motokari yavo inotevera.
Asi pane sarudzo iri nyore.
Mushure mokunge mapedza kugadzirisa mutoro wako wokupedzisira wemotokari, funga kuti hauna kupera . Ita sokuti iwe uchiri kugadzira mutero wemwedzi pamwedzi.
Mwedzi woga woga, shandisa mari yaunenge uchida kuishandisa pakubhadhara motokari mune imwe mari yekuchengetera mari . Nyora iyi "inotevera motokari kutenga."
Ita izvi sekutenderera kamwe chete .
Sezvo iri nyore, haugoni kukanganwa kuita shanduko. Izvo zvaitika 2-3 mazuva mushure mekunge iwe ubhadharwe, saka iwe haungaporwi mari.
Unoda muenzaniso here?
Ngatitii kubhadhara kwemotokari yako $ 200. Kana wapedza kubhadhara, chengetedza mwedzi wega wega kutengesa $ 200 kubva kuongororo yako yekuongorora mune iyo akhaisi yekuchengetedza yakasiyana.
Mabhanki akaita sa Wells Fargo uye CapitalOne360 anokubvumira kuti uzarure mari dzakawanda dzekuchengetedza uye kupa nhengo imwe neimwe "nickname." Kuita izvi kunokubvumira kuti uone chinangwa chipi nechimwe chegwaro rekuchengeta.
Kana iwe ukachengetedza $ 200 mwedzi mumwe nomumwe kwemakore mashanu, iwe uchava ne $ 12,000 - zvakakwana kubhadhara mari yemotokari yako inotevera.
VERENGA ZVAKAWANDA pamusoro pekugadzirisa bhajiti yezvinangwa zvako zvakawanda (zvizhinji!) .
Chimboona Zvaunenge Uchirota Car, Zvadaro Shandisa Kudzokera shure
Heino imwe nzira:
Kutanga, funga kuti ndeipi motokari yaunoda. Zvadaro, shanda kumashure kuti usarudze kuti unofanira kuchengetedza sei mwedzi woga woga.
Ngatiti iwe unoda kutenga motokari inodhura $ 20,000. Unotarisira kuutenga mukati memakore matatu. Kushanda kumashure, iwe unoda kuchengetedza $ 555 pamwedzi ($ 20,000 akaparadzaniswa nemwedzi 36).
Izvozvo zvinoreva kuti iwe uchada kuchengeta mutero wako we "motokari" we $ 200 pamwedzi (kubva pane zvataurwa pamusoro apa), pamwe ne $ 355 zvakare.
Izvozvo zvakanyanya here? Iwe uchada kugadzirisa zvinangwa zvako. Unogona kutenga motokari inodhura kana kumirira kwenguva refu kupfuura makore matatu usati watenga motokari inotevera.
Somuenzaniso, kana ukatenga motokari mumakore mana panzvimbo yevatatu, unofanira kungochengeta $ 416 pamwedzi ($ 20,000 akaparadzaniswa nemwedzi 48).
Iwe unogonawo kukwanisa kutora motota yako motokari nokukurumidza nekuwana zvakawanda. Kana uchikwanisa kuchengetedza $ 200 pamwedzi, uye uwane mamwe $ 355 pamwedzi pamwe nemitero nekushanda basa rechipiri, unogona kuisa $ 555 pamwedzi kuitira kuti ugone kutenga motota yako yemota mumakore matatu.
VERENGA ZVAKAWANDA pamusoro penzira dzokuwana mari yakawedzerwa pamamwe mapato , kana kudzidza nezvemabhizimisi maduku unogona kutanga kumativi.
Usarega Ramba Ruchiwedzera
Paunenge wakabatikana kuchengetedza yemotokari yako inotevera, usakanganwa iwe uchiri kuda kuisa mari yekuchengetedza motokari yako yazvino.
Somuenzaniso, unoda kubhadhara motokari yemotokari. Mutemo unogona kusvika kamwe chete mwedzi mitanhatu. Usakanganwa kugadzirisa mari pamwedzi woga woiripa. Inishuwarenzi ye $ 300 mwedzi mitanhatu inoreva kuti unoda kuchengetedza $ 50 pamwedzi.
Iwewo unoda kubhadhara kuti uchengetedze zvakakwana uye kugadzirisa pamotokari yako. Iwe unogona kuisa parutivi $ 50 kusvika ku $ 100 pamwedzi nekuda kweizvi.
Dzidza zvakawanda nezvekuchengetedza kwemari yegore negore .