#聚光创作大赛#
In this day and age, it seems that cars have become something that every household has. Look at the new cars, cars, and off-road vehicles posted by those people in the circle of friends, it makes people blush when they look at it.
But when you really make up your mind, take out the money you have saved, walk into the 4S store head-on, sign the contract that looks good, and drive away the car you like, you may find that things are not as simple as you think.
"Buying a car is a big hole!" may feel this way for many people who own a car.
With a wide variety of expenses, you can be shocked every time you see a bill. Not to mention that if you live in a big city, the time wasted in traffic jams and the pain of finding a parking space can make people die of headaches.
So what are the costs of buying a car, and why is it a burden?
First, the cost of buying a car
Buying a car sounds very simple, isn't it just to go to a 4S store, pick a model you like, and then swipe the card to pick up the car.
But if you really think about it, it's not an easy job. Buying a car is far from being as simple as you think, especially when you stand in the showroom and the sales consultant hands over a list of car purchase costs with a smile on his face.
Let's talk about the price of the car first, for example, if you fall in love with a car that costs 100,000 yuan, you feel good in your heart and think the price is quite appropriate. But don't rush to rejoice, because this is just the beginning.
Next, you'll have to pay purchase tax. This purchase tax is calculated according to the purchase price of the car, and the tax rate is generally about 10%. So if the price of the car is 100,000 yuan, then this tax has to be paid 8,547 yuan.
Now that the taxes are settled, do you think it's over? No, no, there is insurance. When a new car hits the road, you can't do it without insurance.
In the event of an accident, the loss is no joke. The insurance company will give you a full insurance, what third-party liability insurance, vehicle damage insurance, theft insurance, seventy-seven-eighty-eight add up, and the insurance cost for the first year will easily go to 4,000 yuan.
Further on, there's the licensing fee. This license fee includes the cost of applying for a driving license and license plate for the car. You may have to go to the DMV several times, fill out forms, queue up, pay money, and toss, and the miscellaneous expenses add up, and you have to look like hundreds or thousands.
Now you do the math, the price of the car is 100,000 yuan, plus the purchase tax is 8,547 yuan, the insurance is 4,000 yuan, and the license fee and other miscellaneous expenses are 1,000 yuan, even if it is 1,000 yuan, this is not much, it is almost 120,000 yuan. And don't forget, that's not even the cost of driving home gas, but also the cost of daily maintenance.
For many families, it is really distressing to spend so much money to buy a car. Especially for young people who have just started working, or friends whose income is not particularly stable, this money may be all their hard-earned savings. Spend it all at once, not to mention how complicated the feeling in my heart is.
Therefore, buying a car is really not a small decision. You have to consider your own financial ability, and you can't just look at the car and make impulsive purchases.
After all, in addition to the money to buy a car, you still have to live, and you have to deal with a steady stream of fuel, maintenance, parking fees, and so on. All of this adds up to a long-term expense.
Before deciding to buy a car, you must plan well and carefully calculate your financial accounts. Otherwise, a whim may make your financial situation stretched, and it will be too late to regret it.
Second, the cost of car maintenance
After many people buy a car, they will find that the cost of maintaining a car is the most headache. That's why some people say, "You can afford a car, but you can't afford a car."
What is included in the car maintenance fee? Mainly fuel money, maintenance fees, car repair fees, parking fees, tolls, and fines in case of violations.
The more the car drives, the more oil is used, and the more money is spent. Now this oil price is one price a day, which is really unpredictable.
For example, if your car consumes 7 liters of fuel per 100 kilometers, if you run 15,000 kilometers a year, the fuel cost will cost almost 7,000 yuan. This is still calculated based on the average oil price of 7 yuan a liter, and if the price of oil rises, it will cost more money.
Cars, like people, have to be "checked" and maintained from time to time. Change the oil, filter, check the brakes or something. A basic maintenance, as little as a hundred, as much as a thousand, at least twice a year. This time and again, thousands of dollars are gone.
The cost of repairing the car is also a large expense, although sometimes the car is not a big problem, but it is inevitable to encounter some minor problems, such as punctured tires, broken wipers and so on.
Although these problems are small, they cost money to fix. And as the car ages, the cost of such repairs will only get higher.
If you live in a big city, it's not cheap. There are hundreds of parking spaces in the community every month, and it costs dozens of dollars a day to go out to shopping malls and company parking.
Don't forget that there are also tolls and various highway and bridge tolls. Although these costs may not seem like a lot in a single transaction, they add up to a lot of money. Especially for people who often need to drive long distances, it is an expense that cannot be ignored.
Although the number of fines for violations is as low as possible, no one can guarantee that they will never make mistakes. If you accidentally violate a chapter and be fined, although it may be only a few hundred yuan at a time, it is also an additional expense in a year.
So you see, the cost of maintaining a car is no joke. Fuel money, maintenance fees, car repair fees, parking fees, toll fees, plus fines for violations, the cost of this year can easily exceed 10,000 yuan.
Sometimes it can even reach one-tenth of the price of a car, which is why many people say that it is easy to buy a car, but it is difficult to maintain a car.
While enjoying the convenience of a car, you also need to consider whether you have the financial means to afford these long-term expenses. No one wants to make their "car" a burden because they can't afford to keep a car.
Third, the demand for cars
Let's talk about car demand again, sometimes people say, "Hey, this car is a bottomless pit, you can't afford to keep it!" but let's be honest, this perception doesn't apply to everyone.
Why? Because everyone's financial situation and car needs are different. For those who have a lot of money and often need a car, the convenience and comfort of a car may far outweigh its cost, and naturally it will not feel like a burden.
However, if you have a limited income, don't usually need a car, or you live in a place where public transportation is well developed, and it is convenient to take a taxi or rent a car, then buying a car may not be so cost-effective.
For these friends, they may find that a large part of their salary is spent on the car, and the quality of life has not improved much because of the car. On the contrary, because I have to maintain a car, I have to worry about that heart every month, and the pressure is huge.
For example, if you earn a few thousand yuan a month, minus living expenses and rent, and the rest of the money has to be used to maintain a car, the car will seem to be a burden.
Especially now that parking fees, fuel costs, maintenance costs and so much are so expensive, how much money can be left in a month, not to mention that if the car breaks down, the money for repairing the car is not a small amount. In this case, do you say that the car is a burden?
For example, if you live in a city with particularly convenient transportation, the bus stop is right outside the door, and the subway station is just a few steps away, so it is convenient to go anywhere, then is it really necessary for you to buy a car?
There are so many taxi software, just a little mobile phone, the car will come, and you don't have to worry about parking. In this case, it really doesn't seem that cost-effective to buy a car.
Of course, this is not to say that buying a car is necessarily not cost-effective, for those who really need a car, such as having children to pick up and drop off from school, or the place of work is very far from home, it is really inconvenient to not have a car, then the car has become a necessity.
And if the economic conditions allow, buying a better car, which is comfortable to drive and easy to use, can also be regarded as a reward for your hard work.
So in the end, buying a car depends on your personal situation. It has to be decided according to your own financial ability and actual car needs. If a car is a necessity for you, the convenience it brings will definitely offset the cost of maintaining a car.
But if you're in the opposite situation, buying a car may not be a wise choice. In any case, don't let the car become a burden for you, let it be a tool to improve your quality of life.
Fourth, green travel
In the past, you may have thought that having a car is called face, and it is a sign of a successful person. But now that times have changed, so have the perceptions.
We have to be reasonable, we can't just look at others to buy a car, we have to follow the trend, we have to weigh our wallets first, and see if we need it.
Don't wait for the car to be bought, only to find that your monthly salary is all on the car, and you can't even afford to eat, then the gain outweighs the loss.
Nowadays, everything is green and environmentally friendly, and travel is no exception. Public transportation, bike-sharing, and ride-hailing are convenient and environmentally friendly, and they can save money.
Especially for people living in big cities, traffic jams and finding parking spaces are a headache. Sometimes you can't drive a car as fast as the subway.
So choosing public transport will not only help you avoid these worries, but also reduce your environmental impact, so why not?
Besides, public transportation is getting better and better, with many subway and bus lines and dense schedules, so you can arrange it clearly wherever you want to go.
And a little bit of various taxi software on the mobile phone, the car will come, the price is not expensive, and you don't have to drive yourself to the point of being half tired.
Especially for those who don't drive often, or if you live in a convenient place, you really don't have to buy a car.
Bike sharing is also a good thing, if the company is not far from home, you can ride a bicycle to get there, which is both physical exercise and environmental protection. And I'm not afraid of traffic jams anywhere on a bicycle, and I wear it casually in the alley, how flexible.
We have to advocate this kind of green travel, which can not only save money on car maintenance, but also protect the environment, killing two birds with one stone.
epilogue
"A car is a burden, and you can't afford to maintain it at all", although this sentence is slightly ridiculous, it truly reflects the current situation of some people after buying a car.
A car is not simply "affordable" and "unaffordable", but involves multiple considerations such as the cost of buying a car, the pressure of car maintenance, personal economic situation and car demand.
You need to stay sober, rationally evaluate your own conditions, and make the most suitable travel choice for you. The car is just a tool of life, and it cannot be turned into a burden.