First-time car buying experience
Story buy a house buy a car It’s never been easy. Especially when everything is as expensive as it is now but income levels are not keeping up with the pace of expenses to buy big properties. What’s more, unlike the previous generation, today’s young people tend to want to buy a car in their twenties. Invisible financial matters to be able to “buy” a car is causing many people stress.
Here is the story of Le Gia Huy, born in 1993, just bought it for me A car lovely value of 600 million dong without any debt right after 1 year of buying a house. Let’s hear what your friend has to say about his first-time car buying experience.
Hello Gia Huy,
Is buying a car a financial goal you have planned in advance?
Actually, I didn’t plan to buy a car at first. I want to buy a new motorcycle to serve my passion as well as work. But when the family needs to move more comfortably, I decided to buy a car.
Financially to buy a car, there is no plan or secret at all. My spending habits are formed in my personality from time immemorial. Since I was a student, I lived far from my family, so I also formed a sense of reasonable spending. Gradually, after graduating from school, I went to work, until I had a family, I still kept that way of spending, I knew how to balance income and expenditure, from which I could save money to buy a house and buy a car.
Besides, I am also a person with a minimalist lifestyle, only buying what is really necessary. Thanks to this minimalist lifestyle, I work just enough, spend just enough, since then I live a happier life!
Why did you choose to buy a car at that time? What criteria does Huy have to choose to buy a car?
I decided to buy a car to ensure my wife’s health. She often gets dizzy when riding a motorbike, so I think having a car will help her less tired every time she goes out. And the time I decided to buy a car, at that time the weather in Saigon was quite harsh, it was sunny in the morning, it was raining heavily in the afternoon, so it was reasonable to have a car to cover the rain and sun.
Because it is the first car, my top criteria are safety and durability, followed by appearance. My wife is currently working as an accountant for a Vietnamese company, her monthly income is about 10-15 million. I used to work for a foreign company, my monthly income from salary is about 20-30 million. Currently, I have quit my job at the company, now I am a full-time Content Creator. Therefore, with a budget of more than 600 million, the car I have chosen to buy also meets the above needs of the couple.
Huy bought outright or borrowed to buy a car? Do you need advice and support from anyone about choosing a car?
My opinion is whether rice and fish sauce should be done within your own limits, you should not take out a loan to buy anything, especially a liability such as a vehicle. My friends also advised me to buy a more expensive, more advanced car, but I don’t think so. Buying anything should be balanced according to two criteria, the first is your own needs, the second is your economic condition. Know enough to be happy!
About choosing a car, I researched information on the internet myself, then went directly to the showroom to experience the car. After a process of about 2-3 months of searching for information, experiencing the car lines from low to high, as well as my own economic balance, I decided to choose the current car.
On the other hand, my wife wanted to buy a car for a long time, she should have bought a car before buying a house. But because I want everything to be stable, I have a house first and then I buy a car. So, from the time my wife wants to buy a car to the time I own the current car is about 3 years!
According to Huy, what are the pros and cons of owning a car?
The obvious advantage is that it is safe, not afraid of the sun, rain, and dust pollution that affects health. Cars can go many people, a car can serve 4-5 people in a family. During the travel time, people can chat happily with each other, comfortably and comfortably. Or when there is an urgent need to go somewhere long distance, I have a car to go, I do not have to rent a car or take a passenger car / plane in a passive position. In general, I am much more active!
The downside is definitely the cost. The initial amount to buy a car is not small. In addition, the cost of fuel, parking, maintenance, road tolls, registration fees, … Those who plan to buy a car should pay attention to this clause, especially any friend. Buy installments, you have to pay more attention.
In addition to traveling by car, I have to choose restaurants with parking spaces. I can’t sit at coffee shops or eat on the roadside. So accidentally the cost of food will also increase!
Recently, the topic of salary 8 million/month but still want to own a car is controversial, what do you think?
If this story is told, it depends on the person. But here I would like to use myself as a practical example. My starting salary when I graduated from college was 6 million/month. Over time, thanks to diligently learning the things around me, I accumulate more experience, from which the monthly income also increases.
There was a time when I worked 3-4 jobs at a time, in addition to office work, I also worked as a YouTube channel specializing in vehicle reviews (also the position of review, filming, post-editing), and then from time to time I Modeling for other brands.
In general, I think young people should actively seek multiple sources of income from different jobs. We have 24 hours a day, office work only takes up 8 hours, so take advantage of the remaining time to study, learn new skills, do something extra to maximize your income. self. Only then will you have a surplus that you can buy and buy. But it’s very difficult if you only rely on salary! That’s his story.
Many young people also embrace the dream of buying a car. In Huy’s opinion, should people under the age of 30 and unmarried buy a car? In other words, when should young people buy a car?
In my opinion, when buying a car or buying anything else, when buying, you should consider the needs and economic conditions of each person. How can my own life be comfortable, without having to stress about money, borrowing, and buying for myself to use. Especially avoid the case that you don’t use it after buying it or don’t use it much, it’s a waste.
In particular, young people should not pressure themselves as to how old they should be to have a house and a car, because each person’s life and conditions are different, so how it is appropriate is okay. Knowing enough is happiness!
Thank you Gia Huy for sharing!
at Blogtuan.info – Source: Kenh14.Vn – Read the original article here
