An enthusiastic netizen shared his hard experience of saving money while consulting the professor about buying a car.
Azhai, with a monthly salary of 8K, made a "grand" plan to buy a car for one year years ago. The bell of 2020 New Year has rung. A year has passed, has A Zhai's dream come true?
Although the car was not mentioned, the money was ready, no more, no less, just 80 thousand.
In order to save 40 yuan by taking a taxi, I walked around the streets late at night and was almost hijacked by strangers.
In order to realize his dream of buying a car, in the past year, Azhai saved money, tried not to take the subway on foot and tried not to take a taxi by subway. Of course, he has never taken a taxi this year. Once I worked overtime until late at night, and the subway and bus stopped working. A Zhai finally had the idea of taking a taxi, but at first it cost 40 yuan, and finally I put up with it.
In the dead of night, A Zhai rode a bicycle and shuttled through the streets alone. Passing a dimly lit telephone pole, a lady dressed in "danger" suddenly waved to A Zhai. In the dim light, A Zhai observed that the woman was staring at him with evil eyes. In less than a second, A Zhai felt a powerful murderous look. A Zhai, who grew up timid, had never seen such a scene. Besides, he was in this strange and complicated city, so he rode at full speed, but he accidentally plunged into the gutter and overturned. Fortunately, there was water in the ditch, and the injury was not serious, but after the mobile phone vomited two bubbles in the water, it was gone.
A Zhai regretted it. In order to save 40 yuan for taxi, she broke a mobile phone. As for the girl who waved to him by the roadside, she probably just wanted to remind him to slow down.
Taiwan Province province famous mouth casual ridicule, let A Zhai discovered a new continent to save money.
Zhang Apo's breakfast shop is Azhai's fixed punching point every day. The steamed bread here is big and white, and the price is close to the people, one yuan each. A Zhai will buy four steamed buns every morning, two for breakfast and two for lunch. I bought it more often. Zhang Apo simply wrapped the steamed bread in advance, and Azhai left every time she came to pay the money, saving the time of queuing.
Zhang Apo, who is kind-hearted, occasionally puts a cup of soybean milk in her bag, free of charge. A bite of steamed bread and a bite of soybean milk are simply delicious for Azhai, who is used to eating white steamed bread. They not only eat quickly, but also have a special taste after eating, and they work very fast that day.
Later, A Zhai felt that it was really difficult to eat steamed bread all day, and the nutrition could not keep up. By chance, A Zhai saw a video of a famous mouth in Taiwan Province Province "mocking" that mainlanders couldn't afford Fuling mustard tuber on the Internet. Curious, Azhai took out 1.50 yuan and bought a bag of "Fuling mustard tuber". From then on, he discovered the new world, and mustard tuber with steamed bread became the standard on the dinner table every day, and of course it was the only configuration.
I haven't smelled pork for four months.
Compared with morning, noon and evening, Azhai's life will be more luxurious. He can buy his own food and cook, and probably 10 yuan can have a "big meal" with meat, but then pork skyrocketed. Four months before the end of the year, Azhai hasn't smelled pork for a long time.
A Zhai, who is thin, occasionally "splurges". 1Boiled chicken rice in 5 yuan is not only meaty, but also free. A Zhai always adds more rice. But every time after playing, I feel guilty because I have overspent my budget.
It is such a thrifty house, and the transportation for food, accommodation and transportation costs about 600 yuan every month.
500 yuan a month's rent, A Zhai is really tolerant.
Living in an international first-tier metropolis, food, transportation and housing are big monthly expenses. After solving the problem of food and shelter, housing seems to be the key factor to determine how much a Zhai can praise in January. Fortunately, Guangzhou is a very tolerant city. Even in the most prosperous Pearl River New Town, you can find a subway house with satisfactory price within 5km of Fiona Fang.
The village in the city rented by Azhai is less than one kilometer from the subway station, and the single room here ranges from 400-2500 yuan. In order to save money, Azhai finally found this "elegant room" with independent bathroom without sunshine all the year round. 500 yuan/month rent is the biggest monthly expense of Azhai.
The hot days in Guangzhou are particularly long, lasting from April to165438+1October. Because it is on the lower floor, the room rented by Azhai has no sunshine and no wind all year round. The sultry weather often makes Azhai lying in bed sweat profusely, and often wakes up in the middle of the night, and his whole body is like being washed by a shower. Although the electric fan beside the bed keeps turning, the hot air blown out is obviously not enough to alleviate the summer heat. Even so, A Zhai doesn't want to change a room into an air conditioner.
Because I usually cook a lot, the water and electricity bills are correspondingly high. Together with the Internet access fee, the house and Azhai will consume about 700 yuan per month.
1300 yuan/month, which could have saved 200 yuan.
In addition, A Zhai's monthly fixed expenditure is about 1.300 yuan, which is used for telephone calls and occasional "big" purchases in Pinduoduo. In the eyes of colleagues, the monthly expenditure of 1300 yuan is simply inhuman, because many people rent houses just for more money. However, A Zhai still doesn't think it's enough, because the urban and rural minimum living standard in Guangzhou is 2010/0 yuan, and he thinks he could have saved it in 200 yuan for a month.
How to buy a car with a budget of 80 thousand yuan?
After a year of "hard work", Azhai finally had a balance of 80,000 yuan on the bank card. The first time I saw so much money, Azhai felt as sweet as drinking rock sugar and Sydney, but soon got into trouble. 80,000 yuan, what car can A Zhai buy?
The story is a bit long, but it is very inspirational. After 3 seconds of shock, the professor decided to be a five-star car selection consultant for this netizen.
The car purchase budget of 80,000 yuan is not much, but it is not much. I believe that many friends' car purchase budgets are also in this price range. Regardless of the full amount or loan, there are actually many cars that can be bought for 80,000 yuan, such as SUVs or cars, domestic brands or joint venture brands, and many models that meet the standards.
What car should I buy in full?
First, let's look at the whole model. In terms of SUV, you can buy a joint venture car with top matching, or you can buy a Haval M6 with more space. If you have a car, you can choose low-priced Furuis or medium-sized Yidong.
How much is the loan to buy a car?
If you buy a car with a loan, 80,000 yuan corresponds to 30% down payment, plus necessary expenses such as taxes and insurance. Theoretically, you can buy a car within 200 thousand.
However, if the price of a naked car is 200,000 yuan, according to the loan for three years, the monthly payment will be about 4,200 yuan, plus the car maintenance cost of about 2,000 yuan per month, the monthly expenditure on the car will be as high as 6,200 yuan. Then there is not much left in the salary of 8000 yuan. Buying a car was originally used to improve the quality of life, but it became a burden, not worth the loss.
According to the data analysis of young people's consumption trend, young people should "eat well" every month, and the salary balance is only about 1/3. Then, according to the monthly income of 8,000 yuan, the ideal monthly balance of Azhai is about 2,666 yuan.
According to the professor's accurate calculation, if the down payment of 80,000 yuan does not affect the quality of life, you can mortgage a car with a bare car price of 1 10000 yuan at most. If the down payment is 60%, the down payment is about 8 1345 yuan, and the monthly payment is 1324 yuan. According to the professor's experience, the car development cost around 1 10000 is about 1300 yuan/month (generally, the more expensive the car, the higher the car maintenance cost), so the monthly car supply+car maintenance cost is just around 2600 yuan.
1 10000 bare car price, what car do you recommend?
Save worry and fuel, recommend Lei Ling entry-level version. If you want to exercise and control, the beggar's version of Angkeira is about this price. Although these two models have outstanding features, they are both beggar versions, and the configuration will be worse, but the safety configuration is in place, such as reversing images, multimedia and electric rearview mirrors, which can be added later and the cost is not high. If you are a real car lover, the professor actually recommends buying a beggar's version of the car, and you don't feel bad about modifying it later.
If you think the above two cars are too shabby and the space is not ideal, then you may wish to pay attention to the domestic SUV, Changan CS75? In addition, Roewe RX5 and Haval H6 are good choices.
It's not easy to make money. It's the Spring Festival again. For those friends who haven't bought a car or will change cars, the professor wishes everyone to realize their dream of buying a car as soon as possible!
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.