How to buy a car with a small salary. Saving money for a car: the main steps to the goal
Well, now let's move on to the most difficult part - directly to the accumulation of money. Here you need to follow the instructions exactly:
Count the so-called obligatory expenses: utility bills, receipts for Kindergarten, internet, transport costs and so on.
For two weeks, carefully write down all your food expenses. Thanks to this, you will finally understand how much you spend on food. The very fact of control will lead to the fact that you will start saving.
Take a close look at your wardrobe and determine what items you or your children need to purchase over the coming year. Try to understand how much they can cost. Then divide the resulting amount by 12.
Allocate a certain amount for entertainment or recreation. It is wrong to completely refuse the "joys of life" - this can cause tension in family relationships or lead to depression.
Buy some envelopes.
When receiving a salary, get these same envelopes. In one of them, put the amount that is required to pay utility bills and other things. The second sign "clothes" and put there the amount from paragraph "3". There should also be “entertainment” and “unforeseen expenses” envelopes (3-5% of income). With the cost of food a little more difficult - they must be divided into four envelopes: 1 week, 2 weeks and so on. Such a move will allow you not to “eat up” everything in the first half of the month and then starve.
Put everything else aside. Economists say that a person can save 10-20% of income virtually painlessly only through cost optimization. This amount must be taken to the bank and put on an account - for example, on a deposit with the possibility of replenishment. Thus, you will also receive interest, which will bring you a little closer to the car. You need to “hide” money from yourself on the very first day of receiving income! Otherwise, they can "leave through your fingers." You need to save to the account not only from your salary, but also from any income that you receive: the “basic” salary, advance payment, bonus, and so on. The main thing here is not the amount, but the principle - as they say, "the chicken pecks grain by grain." If you do not trust banks, then you can hide money in envelopes. You just need to glue them! And thus, you will no longer save bills, but envelopes (getting cash from a sealed envelope is more difficult than just taking it from a pack).
Write down on a piece of paper the amount you need to buy a car. Hang it on the wall in a visible place. And as soon as a certain amount appears on your savings account, then immediately mark it.
After a month or two, review your expenses again. Maybe you can cut down on entertainment costs? And buy theater tickets not for the front rows, but for the balcony? Or spend on food, say, 500 rubles less per week? After all, 500 rubles a week is 26,000 rubles a year (not including interest, if the money is deposited in a bank).
If you follow these instructions, you will be able to save quite easily and simply, and the quality of your life will hardly deteriorate. You just stop wasting money on nonsense. And with an increase in income, accumulation will go at a much more active pace (yes, if you decide to save up for a car, then it is very desirable to start earning a little more than now).
In the article we will consider the intricacies of accumulating money. In it I will share tips and secrets on how to save money quickly for an apartment or a car. Information is useful in life, but first, let's get acquainted with the main idea.
According to experts, in order to save a certain amount, you need to save money, make lists of upcoming purchases and take a number of other measures. In fact, such an approach brings one closer to poverty, and it is impossible to achieve the cherished goal without a new source of income.
The ideal option is when income exceeds expenses. At the same time, neither impulse purchases, nor habits with whims, nor the lack of the ability to save will be able to prevent the accumulation of money. No wonder, since there is enough income to meet needs and save extra money.
Budget planning and saving tools help in life. But often such techniques demotivate and drive into a dead corner. As a result financial situation aggravated.
I present 10 tips with which to save money quickly, but, I warn you, without searching additional sources income they do not work.
- Set aside a certain monthly fixed amount. It should bring you closer to the goal without compromising the quality of life.
- Install an application on your computer or mobile phone that will help you record income and expenses. Analyzing financial flows, you will be able to properly distribute expenses. If you are not friends with computer technology, keep a diary. The result will not change.
- Think about what to save on to reduce spending. If you often buy things that are useless, but bring joy, reduce spending on them, but do not completely eliminate them. Reward yourself for reaching your goal.
- Don't set unrealistic goals. If you do not have the skills to save money and decide to buy an apartment, the attempt will fail. First, focus on achieving small goals, and only then switch to large ones.
- The deferred funds should work. Option - bank deposit.
- Don't lend money. If a person turned to you for help, and not in credit organization, he doubts the ability to repay the loan. Some borrow from a private person so as not to overpay.
- Pay bills at the last minute. As a result, the money at the disposal will remain as long as possible and bring profit.
- Plan your expenses. Distribute them over time so that they do not overlap and do not drive them into difficult situations.
- Stop using credit cards, especially if you can't control yourself. Some, having issued a credit card, immediately empty it. As a result, in addition to the amount spent, you have to pay interest. It won't help fundraising.
- Actively look for sources of income. This item is mandatory. If you provide an influx of funds, you can ignore the listed tips.
Here are some simple and effective tips for saving money. Set a goal and move on. But there are many situations in life that are out of our control. Such situations are considered force majeure, and not a pattern.
How to save money as a teenager
Some people think money is garbage. However, the role of money in life is decisive, this is a fact. It is believed that only independent cells of society are provided with sufficient money. I do not agree with this, as teenagers also have requests.
Teenagers get more pleasure for less money than adults. Each of us was once a teenager and dreamed of buying some little thing. Over the years, the priorities of young people have changed, but this does not change the essence of the matter. Therefore, I offer a number of tips that will help a teenager save money.
- I do not recommend a teenager to scatter money without important reasons. In an effort to acquire something worthwhile, set aside funds, albeit small ones.
- Plan a savings plan. Take a piece of paper and use a pencil to record the planned infusions and outflows of money.
- Limit the purchase of sweets, trinkets, and spending on bad habits. Instead of visiting a computer club or a movie theater, go for a walk in the park.
- I advise you to store funds in a place from which it is problematic to get them. The piggy bank is a great option. Make your own piggy bank. This will help to realize fantasy in practice, demonstrate talents and save money.
- Typically, a teenager's income is limited to pocket money. Therefore, to quickly achieve the goal of income, try to increase. I advise you to get a job as a waiter in a cafe. Such establishments are happy to employ minors without work experience.
- Many companies hire couriers - another way for a teenager to make money. With a small time investment, such employment brings good money.
- Try yourself as a newspaper distributor or a newspaper editor. To do this, you need to know your native language, analyze information and communicate with people.
Video tips
Agree, in the execution of the above points there is nothing complicated and supernatural. This scheme works. The term for achieving the goal depends on the desire, income, expenses and the amount that you plan to collect.
How to save money as an adult
Not everyone likes to live paycheck to paycheck. Only a person who has a stash can afford a large purchase or vacation abroad. This will require the ability to collect money.
After reading the material on the accumulation of funds, you will master this art. As a result, you do not have to run from one bank to another in search of a profitable consumer loan.
- Get your priorities right . You may want to buy a fur coat, change a car and go to the sea at the same time. Trying to save money for everything, you risk being left without savings. That is why it is important to determine the main goal and move towards it, and after its implementation, switch to other dreams.
- Assess Opportunities Correctly . If you earn 25,00 rubles a month, it makes no sense to save money to buy a home in Miami. To get started, improve your skills, get a new job, and only after that save money to purchase housing.
- Determine the amount you can save . Indulge in small joys and trifles. Otherwise, you will break loose and spend the accumulated funds. Experts recommend saving no more than ten percent of your monthly income. This approach is suitable ordinary people. If earning more than the average person in the region, increase the figure up to 50%. The main thing is that the lifestyle does not suffer.
- Keep savings where it is impossible to quickly withdraw . Option - a bank deposit with a good interest rate and the possibility of replenishment. Usually when early withdrawal money the client loses the accumulated interest. I think few people will agree to lose profits that were practically in their hands. Don't keep savings under your mattress or on a deposit card. Unable to cope with the temptation and breaking loose, freely destroy the stash.
- Reward yourself constantly . Having accumulated a certain part of the planned amount, give yourself a gift: buy a watch or go to a restaurant. There are other ways to please yourself. Unscheduled day off, meeting with friends, watching TV. The main thing is to take a break from business and relax. Having accumulated the next part, again please yourself with a trifle. Having collected the entire amount, set aside at least a couple of rubles. The result will be the basis for the next accumulation.
Do not think that it is impossible to cope with the task. In reality, the opposite is true. Set a goal and systematically go to it. Remember, the key to success is understanding where the money goes. Before reducing costs, consider whether giving up this or that thing will damage your life. Useless spending moves away from the result, but you should not give up everything.
Not every young man was endowed with living space or the inheritance of a wealthy grandfather. For young families, buying a home is a priority life goal. Do not think that it is unrealistic for a young family to purchase housing.
Price one-room apartment in Russia is several million rubles. Even if you set aside twenty thousand a month, you will have to wait at least fifteen years for the cherished moment. This is provided that housing does not rise in price. There is a mortgage loan, but this is not an option.
Let's imagine that the family will increase. As a result, a one-room apartment will not be enough, and the maintenance of the child will not allow you to save a lot. Don't forget about financial crises and voracious inflation. As a result, the old-fashioned method of accumulating funds is ineffective.
- Decide on the cost of housing and consider the approximate time of purchase. The Internet, street ads and print media will help in choosing housing.
- Using a computer or pencil and paper, analyze your income and expenses. During the quarter, record what and how much money is spent on. Reduce the amount of unnecessary expenses immediately to the maximum, but without compromising life. Set aside the rest of the money.
- Based on the information received, determine the period of time during which you will have to save money. Take into account the growth in the value of real estate, the crisis and inflation.
- The grandfather's method is ineffective. Moving towards the goal, use modern financial instruments.
- Stock market. This group is represented by medium-yield financial instruments. It helps to increase savings by a third in a year. The method is risky.
- Endowment insurance- a tool that provides for the conclusion of an agreement with insurers for various programs. Remember, the group saves from the crisis and inflation, but does not determine the amount of income.
- Investments. Investments in mutual funds, mutual funds, investment programs. Profitability reaches 100% per annum. The group is risky, I do not advise you to use such tools without skills.
- Bank deposit- the opposite of a loan agreement. The simplest and most popular financial instrument. Choose the right banking organization, characterized by high reliability. Set aside a certain amount every month and, using suitable financial instruments, increase it. Having chosen the right path, buy an apartment in a few years.
Video instructions
How to save money for a car
Personal transport is not a luxury, but a necessity. The cost of a good car is in the hundreds of thousands. It is not surprising that not everyone can afford the purchase of such a vehicle.
If there is a desire, it is possible to achieve the goal. With the support of your loved ones and your creative approach, move forward. A little time will pass, and a good car will appear in the garage.
- Decide on the brand, model of the car and the period after which the purchase will take place. This will help you know the amount to be collected.
- Decide how much you can save each month. Do some simple math by dividing the cost of the car by the number of months.
- Evaluate objectively financial opportunities. According to economists, the amount that can be painlessly set aside every month is 10-15% of income.
- Open an account at the bank. Contact the management of the company in which you work, with a request to transfer part of the salary to the account every month. This will help automate the process of accumulating money.
- If you have savings, open a replenishable deposit. As a result, protect money from inflation, and banking organization take care of the safety of funds.
- When raising money for a car, forgo or cut back on big expenses. Wait until the key moment arrives with major purchases and trips abroad. You can also have a good rest in the summer in Russia.
- Define a list of mandatory costs. This will help identify costs that can be cut. It's about about entertainment and visits to entertainment establishments. Walk to work if the office is nearby.
If you don’t want to collect money for a car for years, use a car loan. So almost instantly become the owner of an iron horse. Only in this case the above recommendations are useless.
How not to save money
The knowledge gained in the article is enough to become an expert in the field of accumulating funds. However, it is useful to read the material on the negative ways of accumulation.
- Do not steal under any circumstances. Staying in a not so remote place will not lead to anything good, but will only ruin life.
- Trying to accumulate money faster, do not become a swindler, as such activity is punishable. And not all victims try to take revenge with the help of the law, preferring physical violence, which will not bring any health benefits.
- Some craftsmen are so deeply immersed in dreams that they are ready to stand with an outstretched hand in order to achieve the goal.
- Don't trade organs. They will come in handy. A person can get by with one kidney, but this is not life, and the money earned will still remain in the pharmacy.
- Debt and credit is not the best solution. Any of the methods will allow you to take someone else's for a while, but in the future you will have to part forever with something of your own, adding interest to the loan.
- The Internet is full of books that describe the technology of gaining wealth. Such literature helps only the author to get rich.
- Without knowledge and experience, do not experiment with stock exchanges.
- Avoid gambling. The essence of the gambling business is that the casino will always win.
That ended the article in which I presented tips for the rapid accumulation of money. Even if there are no savings, they will help correct the situation. Remember, there have been cases in the world when a person from poverty rose to the highest level, having no innate talents and hidden skills. He just wanted to live differently.
Of course, the car has long ceased to be a "transcendental" dream, the fulfillment of which took many years, as it was during his lifetime in the country of the Soviets. In the USSR, in order to buy 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 get brand new cars every year. Still, the car modern conditions becomes more accessible. This is due to the fact that automakers are trying to produce models that would satisfy the needs of people with different levels of income. However, the situation is still far from perfect, so a significant part of the citizens of our country is still forced to save money to become owners of a car. Of course, they are thinking hard about how to save up for a car, as they say, quickly and without delay. The following recommendations 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 save up for a car for everyone who so madly wants it.
Setting a clear goal
Naturally, you must understand that the desire to buy a car is not enough.
First of all, you must determine what kind of "iron horse" you need, its brand, color, specifications. Decide in advance how much financial resources required to purchase vehicle. Remember, the more motivated you are to make a deal, the clearer the goal will appear in your head on how to save up for a car as quickly as possible. If your desire to buy a car is 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 on it, then you should think about getting rid of it. 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 over a glass of expensive cognac. To solve the question of how to save up for a car without putting it off, you will have to cut this expense as well. Think about how you can optimize your other expenses. If you manage to do this, then free 15-20% of your income can be set aside for the purchase of a car. At the same time, such budget cuts will not be too burdensome for you.
Preservation and accumulation of funds
After it turns out to set aside 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 will not solve the problem of how to save up quickly and efficiently for a long time.
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.
Capital investment
There is a more profitable way, through which the question of whether the car is quickly resolved. Which? 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 manage them correctly.
At present, such a source of enrichment as trust management on Forex. 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 also lose all your accumulated savings.
Remember that any investment comes with certain risks, so if you are determined to do this, then use not all of your money, but only part of it.
Car loans
Currently, those people who need a car as soon as possible, for example, for doing business, are offered to get it on credit. Of course, if a person’s conditions are not excessively burdensome, then this option for acquiring an “iron horse” should not be ignored. Compare offers from different banks and choose the most advantageous among them. You will only have to contact financial institution, draw up the necessary papers and the keys to the car will be on hand very soon. Everything. You no longer need to solve the problem of having a car. However, in return you will receive another one - every month you will need to pay a certain amount on time Money in repayment of the loan, and with interest. Which option to purchase a car is better - it's up to you.
However, the employees themselves banking institutions, giving tacit comments about the advantages and disadvantages of lending, they report that you should not borrow money for a car that will very soon begin to fall in price. Otherwise, you risk paying double the price for it. In addition to this, you will be required to pay interest on the loan, take out an insurance policy and other additional costs.
How is it in European countries?
Of course, Europeans, just like Russians, like to ride in comfortable and fast cars. However, they approach the acquisition 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 a car owner for an ordinary student?
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 that the task is not easy, however, as you know, nothing is impossible in the world. But young people will have to seriously limit themselves in funds and strictly control all their expenses. Again, you need to start by setting a goal and determining a specific date when it really should be fulfilled.
You should also think about employment during the period of study. It remains only to set aside part of your earnings for the realization of your goal.
Conclusion
Of course, you can not invest your hard-earned money anywhere, fearing that you can lose it in one hour. And in this case, you still buy a car, but only in fifteen years. If you want to speed up this process, then you still cannot do without risk. You just need to remember that any risk must be justified.
The question of buying the first car before us rises only once in a lifetime, but if this question appears, then it can turn into a mania. How to save money for the first car? How to buy the first car? Such questions often begin to spin in our heads, especially if there are no wealthy parents who can sponsor our desire. These and other questions I will consider in my article. Rather, I will share my personal experience.
How did I get the urge to rent a car?
The desire to buy a car came to me when I was 18 years old. Back then, law education cost only 3,500. And my parents gave me such a gift. We enrolled in a driving school for category B. 2 months of theory flew by very quickly. I tried to delve into the theory inside and out, because I understood that not only passing the exam depends on it. After all, knowing the rules makes it easier for you to defend your case before the traffic police, you feel more confident on the road when you know that you are right. On the third month we were released into the city. My first car was a VAZ 2106 with an instructor. I still remember this feeling when you start, turn on the first speed, squeeze the gas a little, smoothly release the clutch ... And here it is. You are driving a car. Incredible thrill.
At that time, I was ready even for an old rusty penny, if only to experience this indescribable feeling more often. Luckily, I didn't have the money to buy a car.
The financial part or how to start saving for a car.
Many of us have saved at least once in our lives. For anything. Whether it's a TV, computer, phone, laptop, etc. 2 years later, when I was 20 years old, I got a job as a consultant in a store. The salary was 10 thousand rubles. My needs were small, and I lived with my parents. I started saving from 50 rubles. I just set aside 50 rubles, which I wanted to go to drink beer in the yard with the boys, in the far shelf. It seems like a trifle and not particularly noticeable, but from this trifle a month later 1,500 rubles ran up. It would take me 120 months to accumulate at least 180 thousand. Or 10 years. Too long, I thought. The choice was difficult, but to buy a car I had to give up a lot and I cut back on my needs: I stopped going to the cinema, especially taking girls there, I stopped eating in the canteen at work, instead I bought Chinese noodles. I went to work and from work on foot, as it was many times cheaper. As a result, I managed to postpone wages 10 thousand - 5 thousand per car. In total, after 3 months I already had 11,500 - a little more than my monthly salary. If you set aside 5,000 a month, then within three years you can accumulate 180 thousand. For a long time? Maybe. But in 3 years, a lot can change and income can increase, and more money can be saved ... The main start has been made.
A little about temptations.
When at least some significant amount appears, there are temptations to either take a little bit from there. Or buy something else ... This is a test of willpower. Remember the goal. About what started it all. And reach your goal. Don't delay. The money that you have for the car is MONEY FOR THE CAR, and not for whores, iPhones, etc.))) And there are many temptations, believe me. Especially when you cut yourself down in everything, in food, in entertainment, buy yourself cheap Chinese clothes .... Are you looking around? See? And you see how someone went to the sea, someone took a new phone, someone updated the computer... And you seem to have money for this... but just memorize it like a mantra: THIS IS MONEY FOR A CAR!!! Forget about temptations.
The easiest way to distract yourself from temptations is to do what you most like. I, it turns out, liked to play computer games. GTA, NFS, Hitman helped a lot to overcome temptations. GTA - by its permissiveness and driving in cars, NFS - by driving a car (I recalled those feelings and imagined that something similar would soon happen), Hitman - by the fact that you could just KILL !!!))) Pouring all your aggression into the game . After all, someone gets cars for several million from their parents, and someone shrinks like this in order to accumulate at least 180 thousand ...
The financial part continued ... or how to increase income for the purchase of the first car.
Income increased quite simply. I wrote an ad that I provide computer assistance, since I can do it. Posted on city forums. We started calling. No, no, yes, 500 rubles dripped into the piggy bank. And 10 times 500 is already 5000. And 5000 is a car a month closer 😉 At one fine moment, I fixed a computer for a person, and he offered to come to his company and see what's going on with the computers. As a result, in this company, I became a freelance system administrator. He came 4 times a month, for each trip he took from 500 to 1000 rubles, depending on the complexity of the work. In total, it was possible to save a month when 7000, when 9000 ... Let's take the average value of 8000 per month.
And again about the temptations against which he could no longer resist.
At one point, a friend brought the car from Vladivostok. Athletic, nimble, fast, beautiful. It was automatic transmission, climate control everything. I really liked the car, especially when he offered me a ride on it behind the wheel … Kaif. Just a buzz, I already described this buzz at the very beginning. He sold the car for 220 thousand rubles, and I planned to save only 180, and even then I would have had this amount at best in a year. I had 100 rubles in my hands ... And I decided to take one step .... I took a loan for 150 thousand for a period of 5 years. I did not take a car loan, but a consumer loan. To have all the documents in my hands.
This is how you can save up for your first car.
When asked about the desire to own a car, one can hardly hear a negative answer. Teachers and farmers, businessmen and steelworkers, students and pensioners do not give up hope to save up for their car, despite the crisis and instability national currency. It turns out that this is not so difficult to do if you act according to the plan.
Large purchases remain an unattainable dream for many ordinary people. And in the face of declining purchasing power and the depreciation of savings, any idea how to save up for a car seems just crazy. Let's try to figure out what steps will really help bring the dream of a car closer to reality.
We set realistic goals
The dream of a car is wonderful. They say that with a strong visualization of the desired and concentration on its implementation, the goal will be surely achieved. But such a philosophical approach is unlikely to save up for a new car. And a fantasy dream about a car from the Top 10 most expensive models with an income of 30,000 rubles. per month and will remain so.
According to economists, the cost of a major purchase should not exceed 8-12 months of family income.
Based on an income of 30,000 rubles, feel free to start choosing a suitable model in the range of 300,000 - 360,000 rubles.
Of course, from new cars for such an amount, it will only be possible to purchase a miniature Daewoo Matiz, the ubiquitous ZAZ Chance or the stylish new Lifan Smily. There are quite worthy offers in this price segment of used cars. Two-year-old Russian-assembled Chevrolet Lacetti, Lada Granta or Lada Kalina of the same age or three-year-old Renault Logan- a great choice even for a novice car enthusiast. If you wish, look for the Germans or the French, though the age of these cars will be a little older. Usually for this amount they offer an eight-year-old Ford Focus or a six-year-old Hyundai Getz.
Output. The goal is to raise 300,000 rubles. to purchase a car is quite achievable even with a salary of 30,000 rubles.
We draw up a business plan
Knowing the goal, we try to understand how quickly we can achieve it. Without a clear plan, all actions will be chaotic and unpromising. We need to understand not only how to save money for a car, but also what terms for this will be realistic. Saving money is easy even with a small salary.
Experts say that for the accumulation of 10% reserve fund You don't even need to cut back on your needs.
It is this method that most resources advise beginner economists to follow. But will such savings be enough to buy a car? 10% of the estimated income will amount to 3,000 rubles. Accordingly, for the accumulation of 300,000 rubles. it will take at least 100 months or 8 years and 4 months.
If the prospect of collecting a car for about 10 years suits us, we go this way. But do not forget that inflation will eat up some of the savings during this time, and the price of the selected car in 10 years will clearly not be 300,000 rubles, except that the idea to purchase Lada 2014 will remain relevant by the end of 2025.
Therefore, the share of income allocated to savings will have to be increased. In this case, the terms for which it will be possible to accumulate the required amount will also change significantly.
So, by increasing the share to 30%, that is, setting aside 9,000 rubles a month, we will collect the required amount in 2 years and 9 months. True, the deadline is already more realistic. And if you tighten your belt and try to save 50% of your income - 15,000 rubles, collect 300,000 rubles. in just 1 year and 8 months.
In fact, in 10 months, with the accumulation of 50% of income, we will collect 40% of the cost of the car. This amount is enough for a painless loan with a minimum interest rate.
Output: The ideal way to quickly save up for a car without a loan is to save 40-50% of your income.
Save or earn?
If you analyze your expenses well, it is easy to find ways to painlessly save up to 30% of the budget.
Decree No. 882 of September 6, 2016 in the Russian Federation for the II quarter of 2016 living wage for able-bodied citizens is 10,722 rubles.
To live with a family even of 2 people for the remaining 15,000 rubles. when postponing 50% of income will most likely be problematic. In this case, it would be better to find a part-time job.
So, minimum amount for life will be 21,444 rubles. The difference is 8,566 rubles. we put off from the main income, and we are looking for a part-time job for 6,444 rubles. per month. In fact, finding an additional way of income if desired is not so difficult. These are options for remote earnings on the Internet, help with walking animals or doing housework in the garden.
A man can unload weights or earn extra money as a "husband for an hour." The main desire. And if these 6,444 rubles. divided between the spouses, then you will have to look for a part-time job for only 3,000 - 4,000 rubles.
Output. Part-time jobs will help speed up the accumulation of money for a car. It is realistic to add from 1,000 to 10,000 rubles to the piggy bank every month due to part-time jobs.
Ways to save and protect money for a car
When we figured out the amount, terms and sources of accumulation, we need to take care of the methods of accumulation. Someone just puts a certain amount in the box. But in this case, the temptation is financially critical situations borrowing is very large.
Most affordable option- put them in envelopes, we will just seal them. It is morally more difficult to get money from a sealed envelope than from an accessible and always open casket.
But it is better to find ways to save money that will help protect money from itself, and even better from depreciation:
But even with such deposits for the estimated 1 year and 8 months, the interest on the deposit will increase the savings by 25,000 - 30,000 rubles. In fact, this will reduce the accumulation period by as much as two months.
Output. If you follow this plan, you will be able to collect the necessary amount to purchase a car in 1.5 years. Considering that the situation with a family income of 30,000 was taken for calculations, those who have a higher income, following this algorithm, can easily save money in a shorter period or buy a more impressive car.