Kana iwe uri kutsvaga kutenga motokari itsva kana inoshandiswa, iwe unogona kunge uchibvunza: ingani mari yandingakwanise?
Mhinduro yacho yakaoma uye yakasiyana kune vose. Kufanana nehukuru hukuru hwemari, haufaniri kumhanyira mukusarudza kuti ndeipi motokari yaunenge uchatenga, uye zvechokwadi haufaniri kutenga motokari sekutenga kusingagumi!
The Old Fashioned 20/4/10 Rule
Kana iwe uchitaura neshamwari dzakwegura kana hama dzinenge dzichiziva mari, dzinogona kutaura nezvekutonga kwe20/4/10.
Ndeupi mutemo uyu, iwe unobvunza? Zvakanaka nyore-uye kune vakawanda, zvakasimbiswa nguva refu.
Mutemo we20/4/10 unoti iwe unofanira kutora chikwereti chemazana anenge makumi maviri ematengo emotokari, tsvaga chikwereti chisingasviki makore mana (mwedzi 48), uye iva nechokwadi chokuti mari yaunoshandisa pamwedzi wako auto chikwereti , kugadzirisa, gesi, uye inshuwarisi inopfuura 10 muzana yemari yako yakawanda.
Mutemo uri nyore-uye kana iwe uri mukuru-mutengi uyo anongoda motokari nyore, zviri pachena pfungwa yakanaka.
Somuenzaniso, kana iwe uri weimba yemhuri, uchiwana $ 59,000 pagore, iwe unofanirwa kusarudza motokari inodhura madhora anodarika $ 492 pamwedzi wehutori wehushuwarisi, kuchengetedza, gesi uye mari yemari yekubhadhara-nokuti zvisingasviki makore mana. Kana uine chikwereti chakanaka , tsvaga chikwereti chemakore mana ne5 muzana inowanikwa, iwe unogona kunge uchibhadhara chikwereti chemadhora anosvika $ 15,000 ($ 345 pamwedzi wekubhadhara chikwereti) uye uchiri kuwana gesi uye inshuwarisi paunenge uri mukutonga kwe10 muzana.
Kana ukaisa 20 muzana + pasi, izvo zvinoreva kuti unokwanisa kutenga motokari nemutengo wetikiti weinenge $ 20,000, uchifunga kuti iwe wakachengetedza zvinodiwa $ 5,000.
Asi zvakadini kana mhuri yako inoda motokari mbiri? Kana zvakadini kana mhuri yako inowana mari shoma kudarika $ 59,000 ? Ikoko ndiko kune zvinhu zvakaoma uye mutemo hausi kushanda nguva dzose.
Munyika yakaisvonaka, munhu wese aizokwanisa kukwanisa motokari inosangana nemutemo uyu unotarisirwa. Asi haisi nguva dzose, uye saka dzimwe pfungwa dzekusika dzinowanzodiwa kuti uone yakawanda yemotokari yaunogona kutenga.
Funga Nezvimwe Zvikwereti Zvako
Kana iwe wakasungwa nemari yechikwereti, unotenga imba uye une mapatya munzira, iye zvino haisi nguva yakawanda yekutenga motokari iri kutambanudza bhajeti yako. Asi kana usina kuroora, mukuru-mutengi, uye ari kutoponesa 20 kubva muzana yemari yako yaunowana, inzwa wakasununguka kuputsa mutemo we10 muzana yemotokari dzako-mukati mekufunga. Kana zvakakosha kwauri iwe uye iwe unogona kuzvipa, kushandisa imwe zvishoma pamotokari zvinonzwisisika. Asi hazvina kuchenjera kuti uzviomesese.
Ndeipi Car Kwauri?
Kana iwe chaizvoizvo uchida chaizvo motokari uye usinetseka pamusoro pekuenda kwaunoita usiku (kana zvimwe zvinoshandiswa), enda kune hog dzomusango: iyo mari yako uye iwe unofanirwa kuipedza sei iwe unoda kuishandisa. Kana iwe uchinyatsoda motokari nokuti ndiyo nzira yakanakisisa yekuwana kubva pakureba A kusvika kuB, edza kutsvaga motokari yakashandiswa iyo inoswedera pedyo neve pasi pe10 muzana yemari yako yegore negore kana zvishoma sezvaunokwanisa. Kana zvichidikanwa zviri nani, zviri nani kuenda nemari shoma yenguva refu yechikwereti pane kuti uve mukunyanyisa kunetseka mwedzi mumwe nomumwe kana kubhadhara motokari kwaitika.
Imotokari Inokosha Zvechokwadi Here?
Chokwadi, kuva nemagetsi ako mavhiri kunonakidza uye kunonakidza. Asi iwe unogona here kuigamuchira? Iwe unoda kuva wakatendeseka newe pachako nekuda kwemangwana rako remangwana. Zvechokwadi, mune dzimwe nzvimbo, kuva nemotokari zvinoda. Asi mumaguta akawanda (uye kuwedzera maguta akawanda), iyo inonzwisisika yemari yekufambisa kuti bhasi ipfuure kana kuti zvisingagoneki pasi pechitsikiti chikwata pane kutora mutoro wemari iyo motokari inosanganisira.
Chenjerera Shamwari dzekuverenga
Sezvauri kuedza kuongorora kuti unogona kutenga mari yakawanda sei, unogona kuedzwa kuti uvhare mari yako uye mari yako mune imwe yevaverengi vakawanda pawebhu- asi usazviita!
Izvi zvinowanzogadziriswa nemotokari yemotokari kana makambani okubhadhara mari, haasi kuzokuudza mari yakachenjera yaunopedza: ivo vari kukuratidzirai mari yakawanda yaunogona kushandisa-uye iwe haumbodi kushandisa mari iyo iri kuenda max kunze bhajeti yako!
Muchidimbu, haufaniri kunge uchikumbira mari yakawanda iwe unogona kutenga-iwe unofanirwa kuedza kutsvaga yakanakisisa yemotokari inokutora kubva pakureba A kusvika kuB uye haisi kukusiya iwe wakanamatira pamwedzi pamwedzi.