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OUR BLOG

5 Simple Steps to Saving for a New Car

Buying a new car can be easy if you have enough money to spend from your bank account. However, if you want to have your dream car but your bank account does not allow you to that, you will need a little bit of patience and a lot of savings. Here are the tips to save for your new car and spend less on unnecessary things to maintain disciplined financial management.

Consider your budget

It is evident to say that your dream car is out of your budget since you are in this article. You probably already know that you cannot rely on your previous saving and the options that you have right now is to either save for a few months or to take a loan. You must first consider your budget before you go on to start comparing cars and their features. You also need to make a budget and stick to it. Calculate how much you can spend from your monthly income and buy a car which is only under what you can pay. It might be a tough decision to drop the idea of your dream car, but it is also not a good idea to buy it if it is out of your budget. Accept the fact and look for a good car which suits your budget.

Consider your budget

Make a list of features

It is completely normal to choose a car with luxury features. But the features will cost you additional expenditure. To simplify this problem, go for the features that you actually need. Incase, the features that you desire in your car come under your budget, we do not see any problem. But if you cannot afford them all, make a list of what you actually need as a priority, and you can add the rest of the features later. The very first thing that you need in your car is the safety, and then you can list down other features according to your comfort and tasks.

Do not forget about additional expenses

It is important to know that your spending on your car does not end in making the payment for it. There are other expenditures which do not come under the car value, such as gas, parking fees, insurance, and maintenance. When you are saving money for the car, make sure that you are considering the cost for everything. Choosing a car that has more mileage can also help you in cutting down the gas expenses.

additional expenses

Calculate your downpayment

Your downpayment is some amount of the total cost of your car which you will pay upfront. After that, you can pay the rest of your money in instalments. The car stores will offer you several loan plans. The more you pay for downpayments, the lesser your installments will be. Make a plan where you will make a significant downpayment while not hurting your bank account and also keep the installments to the minimum in future. Remember, money management does not mean punishing yourself. You need to know your needs and make the plans which offer you a good lifestyle.

Save Money

5 Best Ways to Save Money

The quickest way of having money is by saving money. Learnt man once said, “Do not save what is left after spending, but spend what is left after saving”. Most of the times, the very hardest part of saving money is getting it started. The financial journey does not really matter to start saving money, but all it takes is the right start and perfect direction that can help you succeed in your favour. You may get thousands of tips to start your money-saving journey, but until you set your goal to acquire the art of it, only then it becomes highly obscure.

Here is the best money-saving tips that can assist you to save a lot of it, with the right approach in your day to day life.

Quash debt

If at all, you are a person juggling to abolish your debt status and improve your savings, then the best approach is to start it with the debt. Starting to concentrate on eliminating your debt can help you achieve greater height in money savings. Add up all your debts and start repaying the interests and save the remaining money. After you complete the paying off interests and principal amount, the savings scales in a very short time.

Quash debt

Saving goals

Another best way of saving money is by foreseeing the saving pattern. The savings is not just the accumulation of money, but it is the stockpile of confidence. Most of the emergencies can be unalarmed; they come without knocking your doors but leave you knocked out. In order to avoid these circumstances, it is advisable to set up a savings goal and try to reach the target every day or month.

Calculate expenditure

It is very much appreciated if you are aware of your expenses. Scale your chart so that you will probably have a smooth running debt clearance or desirable savings at the end of the month or year. If you are in the lines of a huge debt, then calculate the interests that you need to pay back and that you might spend in the following month. Include food, shopping, and medical expenses and maintain the timestamps.

Create an interest-bearing account

 
If you are a person with no debt and wants to earn interests for your entire sayings, then go for some good and high interest-bearing accounts. Keep your savings separately in another account so that you can monitor the savings and expenditure simultaneously. Owning a high-interest bearing account can limit your money borrowing tendency since it will earn you little interest.

Smart spending

Smart spending is one of the wonderful tips that you can get. Smart saving is a process of investing money in something that can limit your expenditure and in turn, helps to add up to your savings account. Examples for smart expenditures are energy-saving bulbs, less energy-consuming appliances, using public transport. Weathering home can really save good amount of money every year.

Loans

4 Best Types of Loans

Loans are the redeemers of the contemporary world. It has sanctified the glory of human beings with a peaceful and comfortable life. It is assisting human life to acquire things that they desire and complement their lifestyle. There are various types of loans available in the financial industry. They can also be categorized based on a multitude of factors like time duration, principal amount, rate of interests, repayments, and so on.

There a numerous financial institutions, banks and agencies that lend money in different ways. People borrow money to fulfil different emergencies and needs like health emergencies, luxuries purchases, educational purposes, small debts, and so no. Here is a quick list that can give you an insight into the various types of loans that can be significant for your financial type.

Open-end credit

The open-end credit is one which is also called as the revolving credit. This credit is basically for the repeated purchases that you make. The repayment of this loan is very simple and does not expect you to repay the whole amount at once; instead, you can repay it monthly as an instalment. The very fundamental type of revolving credit loans is credit cards. Other than the credit cards, there are some other types like equity loans and home equity loans.

Credit cards are the very popular form of open-end credit and are used for multiple expenses like food, clothing, transportation, emergency repairs and small shopping. The imposing of the interests is done if the monthly due is not repaid back on time.

Open-end credit

Closed-end credits

The closed-end credits are another form of the credit that is used to finance a specific purpose for a specific period of time. This type of credit is called instalment loans. In this credit system, the customer is given with a loan to fulfill the certainty notified purpose and has to repay the principal amount along with interest in instalments. The customer will have a systematic repayment schedule they have to follow, which incorporates interest charges, and the principal amount. Again the interest rates and the duration vary from customer to customer.

Debt consolidation

Implementations of consolidation will simplify finances. A consolidation is bringing together all the outstanding debts, especially credit card debts. It exhibits lower interest rates and fewer repayment installments. In other words, these are the short term loans paid with the small duration and nether interest rates.

Student loan

Student loan

Small loans for students were introduced by a number of UK lenders to help students adapt to the rising living costs throughout the UK affecting many students who are trying to juggle full time education and part time work. Many students do not currently have a credit history due to the fact that the majority of them would never have taken out any form of finance or credit. A number of lenders have introduced student payday loans as a way for students (who do not currently have a credit history) to take out small loans and pay them back over a certain time period as a way to improve their credit history.