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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.

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.

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.

Financial Advises for Couples to Live a Happy Life

Financial matters can sometimes become hard to swallow a pill for some couples, which can create a lot of misunderstandings and conflicts. It is important that the couple keep their financial problems in check and share it with each other to get the support they need. Here are some financial advisors that couples need for a stable and happy life.

Create separate accounts and a joint account

Sometimes this question can keep the couples in a dilemma, and they face arguments over it. But the simplest way to solve this problem is creating both types of accounts – private and joint. This way, both the couples can use their money independently, and the joint savings can be used for any disaster which strikes their lives. The idea of having separate joint accounts lessens the sense of unity in marriage and shows the lack of trust in one another.

Track how the money is being spent

Couples should make monthly plans to get everything they need each time and set a budget for it together. Tracking the spending does not mean that you are not allowed to make independent decisions. It means that you need to keep a record for your expenses so that you know where your money is going. This will help you make better decisions in future money management. Both should know and be comfortable with the spendings.

Set your financial priorities together

A financially stable couple knows what they need and what they want. All the priorities for a couple should be kept in check before they can think about spending on miscellaneous expenses. The plans can different for each side and can fire up the conflicts. This matter can be controlled with the help of a good financial advisor who can advise on spending money also make interesting plans for a good life.

 Save 10% of your income

Couples should make monthly savings of as little as 10% of their incomes so that they can have enough money during their retirements. The decision of making a saving is the first thing a couple should do on opening a joint account. It will provide independency for both during the retirement years.

Handle debt as a couple

Debt can become a problem for one of the person, but it can cause damage to the lives of both. Couples need plans to pay down the debt for each other because if a person has a debt before marriage, it can affect the credit ratings of the spouse as well.

Do not keep any secrets

It is very important in a relationship that everything is shared with each other. Especially in the case of finance, keeping secrets will only create more shocking reactions on realizing it later. Not being honest about the big purchases or hiding the debts from each other can cause financial infidelity and can also ruin a relationship.

Tips for getting a Boat or Marine Loan

Getting a loan to buy a yacht is similar to getting a car loan, the only difference will be in the loan amount. You will have to do your research to choose from the options that are available, and the interest you get on your instalments. Getting a yacht loan is pretty easy, and these tips will help you do make better choices.

Get the right documents and reports

The first thing you have to do is collect all the necessary documents. Do not attempt forgery for fulfilling your dream. If you do not satisfy the criteria to buy a yacht, you can make better investments, and can always rent a yacht for your sea voyages. But with the right documents, you will be able to find out how much loan you can take and with what interest rate and term will apply to that money. Make sure that you have these criteria fulfilled.

  • No bankruptcy charges in the past.
  • Should own enough assets.
  • Recorded current income.
  • Employment duration.
  • Time of stay at the current residence
  • Net worth.

Get a pre-approval

Getting a pre-approval means you are securing a major part of your chances of getting a loan. Pre-approval is usually a letter from the lender which states the assurance to the borrowers of a certain loan amount. Pre-approval will give you an idea about how much you can take out so that you can go shopping and find out your options. You can also get a better bargain, knowing how much you can surely spend. It also helps in setting a budget and makes sure that you do not spend extra.

Consider the operating expenses

Purchasing a boat is one thing and maintaining and operating it is another. You can get a large cruiser but then operating and maintaining it can swipe off your bankroll quicker than your voyages. Getting a smaller boat can help in saving on your usage cost. Before you apply for the loan, make sure that you decide what kind of boat, yacht, or cruiser you want and can maintain.

Offer the lender more security

Assuring your lender his money can help you get bigger loans at better interests on returns. The lender only wants his money back and will be only interested in getting an assurance that you will be able to repay the loan. A lender can seize the boat if you fail to repay the loan, so it is better that you have enough to assure the security for their money. You can use your cars, secondary homes, and other assets as security.

Get a new boat or a used boat

Getting a loan on a brand new or close to new boats is easier than buying old and used boats. The lenders will approve your loan much quicker with better interest rates if you plan on buying a new boat. If you still have plans on getting a second-hand boat, make sure that it is less than five years old and works good enough to be considered a security for lenders.

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