Mwamuna ali ndi makiyi a galimoto yatsopano.

Munasiyanji kugula galimoto yatsopano pamsika wamasiku ano

Chithunzi chojambula: Getty Images.

Kugula galimoto yatsopano kwakhala kovutirapo, koma ndizovuta pakali pano.


mfundo zazikulu

  • Zogulitsa zamagalimoto atsopano ndizotsika chifukwa chosowa kupanga ndi kupereka – mitundu yotchuka kwambiri imakhala ndi mndandanda wodikirira wamasabata kapena miyezi.
  • Kutsika kwa zinthu komanso kufunikira kwakukulu kumatanthauza kuti mitengo yakwera kwambiri.
  • Malingana ndi momwe zinthu zilili, zingakhale bwino kumamatira ku galimoto yanu yamakono ndikuyesera kudikirira kunja kwa msika.

Posachedwapa, ndinakumana ndi vuto lalikulu. Galimoto yanga, yomwe siinapitirire zaka zisanu ndi ziŵiri, inawonongeka kwambiri. Atayesa kangapo kuti akonze, makanikayo anafika pozindikira kuti palibe chimene akanachita kupatulapo kukonzanso kotheratu kwa kufalitsa.

mtengo? Pafupifupi $5000.

Tsopano, ndili ndi thumba lazaumoyo wadzidzidzi. Komabe, ndalama zokwana madola 5,000 zokonza galimoto pamtengo wagalimoto Mutha Pawiri zomwe zidandipangitsa kuti ndiyime.

Polingalira, zinandifikira kuti ndikhoza kuthera madola zikwi zisanu kukonza galimoto yanga yakale – kapena ndikhoza kugula ina. Zikwi zisanu zidzalipira malipiro abwino, ndidzazipeza Chinachake Kwa galimoto yanga yakale ngati kusinthana.

Chigamulocho chinapangidwa, ndinakhala masabata angapo otsatira kufunafuna galimoto yatsopano. Ndayang’ana mawebusayiti opanga mtundu woyenera, ndayendayenda ndi ogulitsa ambiri, ndipo ndimacheza kwambiri ndi anthu ogulitsa.

Ndipo zitatha izi – ndinasiya ndikusankha kukonza galimoto yanga yakale. Ichi ndi chifukwa chake.

Zogulitsa zabalalika

Vuto lalikulu loyamba lomwe ndidapeza pogula galimoto yatsopano ndikungoyika manja anga. Kuperewera kwa zinthuzo kuli ponseponse, ndipo magalimoto ambiri omwe anali odzaza chaka chapitacho tsopano ali ndi magalimoto ochepa kwambiri.

Komanso, vuto limakula kwambiri ngati mukuyang’ana galimoto yosakanizidwa kapena yamagetsi. Kuperewera kwa tchipisi ndi mabatire kumatanthauza kuti zitha kutenga nthawi yayitali kuwirikiza – kapena kupitilira apo – kuti mutengere manja anu pamitundu yodziwika bwino yosakanizidwa ndi ofanana ndi gasi.

Kuperewera kwa katundu kumatanthauza mndandanda wodikirira. Mindandanda yodikirira yayitali kwambiri. Wogulitsa wanga wakumaloko adandiuza kuti zingatenge milungu isanu ndi umodzi kuti ndipeze galimoto yomwe ndimafuna.

Wogulitsayo analibe ngakhale chitsanzo chofananacho pamaere omwe ndimatha kuwona kapena kuyesa kuyendetsa, kotero ndingakhale ndi chidaliro mwachimbulimbuli kuti ndasankha galimoto yoyenera. Kuphatikiza apo, njira yokhayo yofikira pamndandanda wodikirira inali kuwapatsa ndalama zolipirira – ndipo ndinauzidwa kuti zinali Mutha Zobweza zikapezeka sindinaikonde galimotoyo itafika. Mutha.

Ndikadapeza galimoto mwachangu – ndikadakhala wololera kuyendetsa mailosi 300 kupita kwa wogulitsa wina wokhala ndi katundu wabwinoko. Koma ngakhale sitepeyi idzachepetsa ndondomekoyi mpaka masabata awiri okha. (Zimaphatikizapo kukhala usiku umodzi mu hotelo ndi maola oyendetsa galimoto.)

Chosankha changa china chinali kugwiritsa ntchito mtundu wosiyana kwambiri kapena wopanga, zomwe sizimadziwika kuti anali nazo ambiri. Koma izo zinali ndi vuto lake: mtengo.

Zogulitsa ndizochepa

Zosungirako zikachepa ndipo kufunikira kuli kwakukulu, zotsatira zosapeŵeka zimakhala zokwera mtengo. Ndipo kwa nthawi yoyamba mu nthawi yayitali, msika uwu wakhaladi msika wogulitsa pakali pano mu makampani atsopano magalimoto. Agents amapezerapo mwayi pa izi.

Galimoto yatsopano ikachoka kwa wopanga, imabwera ndi MSRP, kapena mtengo wogulitsira womwe wopanga amapangira. Uwu ndiye mtengo womwe wopanga amawona kuti ndi wabwino pagalimoto. Kalelo m’masiku omwe kunali magalimoto ochuluka kwambiri, sizinali zovuta kupeza galimoto mu MSRP – kapena mocheperapo.

Masiku ano? Osati kwenikweni.

Pakufufuza kwanga, mitengo yotsika kwambiri yomwe ndidapeza inali pamwamba pa MSRP. zapamwambazi? Kupitilira $10,000 pamwamba pake.

Ndipo izi zinali tisanaganizire zolipiritsa zokwera mtengo za “zowonjezera” zomwe palibe amene adazifunsa kapena kuzifuna. Wogulitsa m’modzi anali kulipiritsa $4,000 pa “thumba lamalonda” losadziwika bwino lomwe limaphatikizapo mazenera amdima, matiresi apansi – ndi “ntchito zogulitsira zoyambira” zosadziwika. Ndi chiyaninso ichi?!

Fulumira ndikudikirira … mpaka mundilipirire

Zonse zikanenedwa ndikuchitidwa, galimoto yatsopano yokhala ndi MSRP yololera pafupifupi $25,000 ingandiwonongere $35,000 kapena kupitilira apo. Kulipira ngongole yagalimoto pamwezi kukanakhala kunja kwa bajeti yanga, yomwe iyeneranso kulipira inshuwaransi yanga yagalimoto.

Ndipo nditatha kudikirira milungu isanu ndi umodzi kuti ifike ndisanayese kuyiyendetsa. Ndataya kale milungu ingapo pofunafuna galimoto yatsopano popanda vuto. Ndinalibe masabata ena asanu ndi limodzi – kapena kuposerapo – kudikirira kuti galimoto ifike. Komanso, sindingawononge 30% pamtengo wagalimoto kuti ndingokankhira kutali ndi galimoto.

M’malo mwake, ndinabwerera kwa makanika wanga ndipo modzichepetsa ndinaitanitsa makina atsopanowa. Ndinathanso kugwiritsa ntchito ndalama zambiri kuti ndipindule. Kuphatikiza kwa 0% APR khadi yoperekedwa ndi bonasi yolembetsa yodabwitsa kumatanthauza kuti sindidzataya thumba langa ladzidzidzi kuti ndilipirire kukonza.

Ndikufunabe galimoto yatsopano. Konzani kapena kusakonza, galimoto iyi sikhala yachichepere. Ndipo galimoto yathu ina yabanja, mosasamala kanthu kuti ndi yodalirika bwanji, ndi yakale yokwanira kuvota. Panthawi ina, kukweza kudzakhala nkhani chabe kufunika m’malo mwa Mkhaka.

Koma, mwachiyembekezo, sizichitika posachedwa. Pamene makwerero opangira zinthu akuchirikizidwa ndikukonzedwanso, malo oimikapo magalimoto adzadzazanso. Mulimonsemo, zitachitika izi, panditengera nthawi kuti ndiyambenso kugula galimoto yatsopano.

Makampani Abwino Kwambiri a Inshuwaransi Yamagalimoto a Ascent a 2022

Kodi mwakonzeka kugula inshuwaransi yamagalimoto? Kaya mumayang’ana kwambiri pamtengo, kasamalidwe ka madandaulo, kapena ntchito zamakasitomala, tafufuza makampani a inshuwaransi m’dziko lonselo kuti akubweretsereni zosankha zathu zapamwamba kwambiri za inshuwaransi yamagalimoto. Werengani ndemanga yathu yaulere ya akatswiri Lero kuti tiyambe.

Leave a Comment

Your email address will not be published.