{"id":65,"date":"2020-10-28T21:50:56","date_gmt":"2020-10-28T21:50:56","guid":{"rendered":"https:\/\/motiveloan.com\/loans\/?p=65"},"modified":"2022-06-15T23:01:27","modified_gmt":"2022-06-15T23:01:27","slug":"great-never-have-a-car-payment-again-ideas-that-you-can-share-with-your-friends","status":"publish","type":"post","link":"https:\/\/www.motiveloan.com\/loans\/great-never-have-a-car-payment-again-ideas-that-you-can-share-with-your-friends\/","title":{"rendered":"Great Never Have A Car Payment Again Ideas That You Can Share With Your Friends."},"content":{"rendered":"\n

You’re always going to have a car payment, right?I’ve heard it hundreds of times: “you’re always going to have a car payment, so you might as well drive something nice.

Not always<\/strong>

Well, I can tell you firsthand that statement is not true. \u00a0I haven’t had a car payment in over fifteen years. \u00a0I don’t drive a fancy car (although I could), but I don’t drive a pile of junk either. \u00a0When I buy a car now, I pay cash. \u00a0No muss, no fuss, no car payments.

How can this be? \u00a0<\/strong>

Is it really possible for the average person to pay cash for decent cars? \u00a0Absolutely! \u00a0I do it and I know of many other people who pay cash for cars as well. \u00a0The secret is to sacrifice now so that you can drive a nice, payment-free car later. \u00a0For most people, that’s not easy. \u00a0Most people are not willing to sacrifice. \u00a0They want a nice car now and they’re not going to wait for it. \u00a0That means lease or loan payments. \u00a0That also means that most people are broke and financially stressed.


How not to buy a car \u00a0<\/strong>
Leasing<\/strong>
Before we get into how to buy a car, let’s talk about how not to buy a car. \u00a0Rule number one:\u00a0 never, ever lease a car<\/strong>. \u00a0Statistically, leasing is the most expensive way to have a car. \u00a0Think about it: \u00a0the company leasing the car to you has to not only pay for depreciation, but they also have to make a profit or they are out of business. \u00a0That\u00a0profit can only come from one place–you! \u00a0Can you imagine what it would cost you to drive a rental car every single day? \u00a0Well, leasing a car is basically just a very longterm rental agreement. \u00a0You give them cash up front, you pay a fee (lease payment) during the time you have the car, then you give the car back to them at the end of the lease and pay any damages or excessive mileage. \u00a0Sounds like a rental to me!

And about that excessive mileage: \u00a0I know of a family who leased a car and ran the mileage up very quickly. \u00a0The over-mileage fee at that time was about seventeen cents per mile. \u00a0The average car is driven 15,000 miles per year, so their over-mileage fees would have come to $2,550 per year which is $212.50 per month on top of their lease payment expense. \u00a0For the last year they had the car (waiting for the lease to end) they had to park the car in the garage and buy an old junker to drive because they couldn’t afford both the lease payment and\u00a0the over-mileage fees. \u00a0Statistics have shown that the average person who leases a car pays an additional $1,000 in fees and expenses when they turn the car back in at the end of the lease.

The reason leasing looks good to so many people is because they are thinking short term. \u00a0You lease a car for three years, make a lower payment than if you had bought the car, turn the car back in at the end of the lease, and start another lease on your next car. \u00a0Let’s look at this situation both short term and long term assuming the life of a car is about 9 years (it’s actually more like 10 years, but we’ll use 9) and we’re going to sign up for a three-year lease. \u00a0We are looking at a car that sells for $23,000 new.

If we lease:<\/em>
We have a lease payment of say $350 per month. \u00a0We pay the lease company $1,100 in ‘due at signing’ costs and we drive the car for the entire three-year lease. \u00a0During that 3 years, we have paid 36 payments of $350 which comes to $12,600. \u00a0We add in the $1,100 we paid up front to bring it to $13,700. \u00a0When we return the car, we pay the statistical average of $1,000 in mileage, wear and tear, cleaning fees. \u00a0So, at the end of three years, we have paid a total of \u00a0$14,700 to drive our leased car. \u00a0At the end of the three years, we do it all again to lease another nice, new car. \u00a0Using the same numbers we just calculated, over nine years of driving (three different car leases) we have spent $44,100 to have a car for nine years. \u00a0We are averaging a cost of $4,900 per year to drive a leased car.

If we buy:<\/em>
We can reasonably assume a payment of somewhere around $400 per month. \u00a0That’s $50 more per month than the lease payment, so at this point the lease is still looking pretty good. \u00a0We drive that same car for it’s entire nine year life. \u00a0In six years, the loan is repaid and we have made $28,800 in payments. \u00a0Lets say that during the nine years we’ve owned the car, we have put $6,000 into repairs. \u00a0When we are done with the car at the end of our 9 years, we manage to sell it for $500. \u00a0So, \u00a0we made $28,800 in payments, paid out $6,000 in repairs, and got back $500 when we sold it. \u00a0$28,800 + $6,000 – $500 = $34,300 we have paid to drive the car for nine years–an average cost of $3,811 per year. \u00a0The leased car cost us $1,089\u00a0more<\/em>\u00a0per year.

In this example, in nine years we have paid $9,800 more to lease a car than to buy one. \u00a0Yes, I understand that you got to drive a car no more than three years old with the lease, \u00a0but for the first three years, you were doing the same when you\u00a0bought<\/em>\u00a0the car. \u00a0So, for six years, you paid $9,800 to be able to drive a car that is a few years younger. \u00a0Also consider that when we bought the car and got the loan paid off, we got to drive about three years making no payments whatsoever; when you lease one car after another, you have payments for the rest of your life! \u00a0Taking on those kinds of payments for the rest of your life makes it really hard to get ahead financially, and even harder to ever become wealthy.

In the above example, I tried to use realistic numbers. \u00a0And to keep it realistic I even figured high on car repairs. \u00a0We may not, for example, end up spending $6,000 in car repairs over a nine year period. \u00a0If we spent less, then the purchased car looks even better over the long term.

Hopefully, you can see that any advantages to leasing a car pretty much disappear after the first three-year lease. \u00a0The dealer leasing you the car will tell you that it costs less to lease a car than to buy one, and that is correct–but only for the term of your very first lease. \u00a0After that, leasing a car gets more and more expensive while a purchased car gets cheaper and cheaper. \u00a0Remember that in a lease you are pretty much just renting the car, and renting is an expensive way to have a car.

Put it this way. \u00a0You ask a close friend of yours if you can borrow his brand new car. \u00a0He says to you “sure, you can borrow the car, but you have to give me $1,000 up front, make my car payment during the time you drive the car,\u00a0then pay a fee for\u00a0mileage when you return it.” \u00a0Would you borrow a car under those conditions? \u00a0I certainly wouldn’t; but, that’s exactly what you’re doing when you lease a car. \u00a0Never lease a car!

Keep in mind that\u00a0I do\u00a0not<\/em>\u00a0recommend buying a new car<\/strong>\u00a0as we did in this example, so wait until we get to the section on how to actually buy a car. \u00a0You’re really going to see a cost difference then!



Buying a new car<\/strong>
Let’s now go on to\u00a0rule number two: \u00a0never buy a brand new car<\/strong>. \u00a0The only reason I used purchasing a new car in the previous example is because that is what most people do–they either buy a new car, or lease one. \u00a0Do you realize that when you buy a brand new car it loses 10 to 20% of its value as soon as you drive it off of the dealer’s lot? \u00a0Did you know that after only two or three years, a new car is worth only about half of its original value? \u00a0Do you realize that after just four years a \u00a0new car is only worth somewhere around 40% of what it cost new? \u00a0That means that if you bought a brand new, $23,000 car, its value drops to around $20,000 as soon \u00a0as you drive it off the lot–you just took a $3,000 hit and you haven’t even gotten the car home yet. \u00a0After two years, your $23,000 car is worth around $11,500. \u00a0You took a hit of over $11,000 in only two years! \u00a0Then on average, in five to seven years when your $23,000 car is only worth about $9,000 you get rid of it, buy another new one, and start the whole thing over again! \u00a0How are you supposed to ever get wealthy when you’re losing money that fast? \u00a0This incredible drop in value is how you end up owing more on your car than it is worth. \u00a0We call that being “upside down” on the loan<\/a>. \u00a0

Far too often when someone does trade in their car and buy a new one, they roll the balance still owed on the old car into the loan on the new one. \u00a0That’s insane!\u00a0\u00a0Never<\/em>\u00a0roll a previous loan balance into a new one! \u00a0You’re taking an unbelievable hit in the first place by buying a new car that lost two thirds of its value in the time you had it, and you’re rolling that loss into a loan on another car that is also going to lose value just as quickly. \u00a0The car debt gets bigger and bigger, the payments go on longer and longer, and you wonder why you’re stressed out trying to make your car payment!

Yes, I’ve heard the argument that if you buy a new car, it comes with a warranty so you won’t have any major repair costs. \u00a0Well, very little goes wrong with a car until it is around four years old. \u00a0If the life of the car is say nine years, then you really only have major repair costs for maybe five years of the life of the car. \u00a0If you trade the car in at five years old or less, you aren’t likely to have had many huge repair costs. \u00a0Since your $23,000 car has lost 60% of its value in that time, it has lost a total of $9,200. \u00a0Do you really think you would have put $9,200 into car repairs in that time? \u00a0Not likely. \u00a0Besides, for that kind of money you could have put in a new engine\u00a0and<\/em>\u00a0transmission. \u00a0See, the warranty is no reason to by a brand new car.

If you truly want to\u00a0get ahead financially, then\u00a0never buy a brand new car.
Here’s how to buy a car\u00a0<\/strong>
First of all, only buy cars that are two years old or older. \u00a0That way whoever bought it new took the 50% loss in value in those two years instead of you. \u00a0Secondly, and probably most importantly, never buy a car you can’t afford. \u00a0How do you know if you can afford it? \u00a0Easy–if you can’t pay cash for it then you can’t afford it. \u00a0The fact that you are ready to take on payments for a car tells you that you can’t afford it.\u00a0

So, now I’m going to show you how to buy cars in such a way that you can eventually drive cars that are only two years old, and never have a car payment through the entire process. \u00a0Notice that I said “eventually” drive two year old cars. \u00a0You probably aren’t going to be able to drive something that nice at first. \u00a0Okay, here is how it works:

The average car payment in America today is around $400 per month. \u00a0But, just to make sure you believe that what I’m about to tell you will work, I’m going to use a payment of only $250 per month. \u00a0So, let’s say that you figure you can afford a car payment of $250 per month. \u00a0If you have absolutely no cash on hand to start.<\/p>\n","protected":false},"excerpt":{"rendered":"

You’re always going to have a car payment, right?I’ve heard it hundreds of times: “you’re always going to have a car payment, so you might as well drive something nice. Not always Well, I can tell you firsthand that statement is not true. \u00a0I haven’t had a car payment in over fifteen years. \u00a0I don’t […]<\/p>\n","protected":false},"author":1,"featured_media":66,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-65","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"yoast_head":"\nGreat Never Have A Car Payment Again Ideas That You Can Share With Your Friends. - 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