A person has an elite car budgetary requires. Is it worth owning a car

The real cost of ownership of a car for three years. This will plunge you in shock! Be sure to read all car owners.

Experience shock and count, as much as the comfort and convenience of a personal car really costs you.

Let's analyze on the example of Opel Vectra since 2008 of release, which I owned 3 years.

Initial data in price:
New price (2008): 930 000 rub.
Purchase price (2012): 610 000 rubles.
Current cost (2015): 350 000 rubles.

Initial data on other parameters:
Provision: 38 months (6 full seasons)
Mileage: 48,000 km. (from 70,000 km. up to 118,000 km.)
Average flow: 14 l / 100 km.
Approximate consumption of gasoline: 6720 l.

Option 1. Calculation of losses excluding the price of a new

As can be seen from the source data, my losses due to the loss of value for three years amounted to 260,000 rubles.

During this period, I remembered the maximum number of funds invested in the repair, maintenance and modernization of the car.

Attachment on maintenance (in rubles):
Disks for winter wheels: 5600
Tires winter (2 pcs.): 8000
Summer (4 pcs.): 12000
Pump 1 (replacement): 15000
Pump 2 (replacement): 21000
Oil + filter + replacement (6 seasons): 12000
Rear springs + replacement: 6000
Pads + Replacement: 5000
Short collapse (2 times): 19000
Body repair: 12000
Railings: 5000.
Front suspension levers + replacement: 9000
Automatic transmission oil + replacement: 8000
Traffic policemen: 3000
Sink: 5000.
Winners Winter: 1500
Rugs: 1000.
Gasoline: 201600.
Insurance (3 years): 21000

Total investments: 370 700 rubles for 3 years or 9755 rubles per month.

The price of one kilometer route was 13,13 rubles. This is the minimum price. In fact, something forgot, somewhere the cost was higher. Really I think 15-16 rubles per km.

Thus, losses from loss of cost plus attachments accounted for more cost of buying a car, namely 630,700 rubles.

And now we are cooling from the fact that from three years of work, the salary for one year was completely spent on car service! This is shock, gentlemen. Templates are broken. Consider that 630 thousand divided for 12 months and we will get 52,000 rubles. This is a normal such salary.

Option 2. Calculation of damages, taking into account savings from the price of a new

You can console yourself that the car was bought already cheap. Given that it is inside as a new one, then this fact is especially pleased.

I will read out of expenses of 320,000 rubles, which we saved, bought used, and we get more optimistic numbers.

The price of one kilometer of the journey was 6.47 rubles. Correctly somewhere 8-9 rubles per km.

Common losses from ownership of the car amounted to 310,700 rubles.

Conclusion 1. Take a new one unprofitable

It is clear that it is more profitable to buy a used car if it is in good condition. You can argue with me: "In the other feelings," "there is 3 years warranty." These are all excuses. The feeling of novelty will be held in 3 months, and with the guarantee also the question.

For 3 years, I would guarantee only two pumps in the amount of 36,000 rubles. Let me remind you that we saved 320,000 rubles.

Conclusion 2. Want to buy a car - have two heaps of money

In fact, to quietly exploit a personal car, you need to have two costs. As shown by my calculations for 3 years, the car was spent more of its original cost. Taking into account the loss in price. And this is also your money that you will never get back.

Conclusion 3. Credit, Buying Machine and Low Salary - Path in Loop

You can not buy on credit, especially liabilities. If you are not a taxi driver, of course. In my case, for example, a monthly loan payment would amount to 22,000 rubles (a loan for 3 years, 610,000 rubles loan amount, 19% per annum). Add here Monthly spending on a car in the amount of 9755 rubles and you will receive an amount of more than 30,000 rubles. To live and pay the loan, you need to steadily earn at least 70,000 rubles per month. If you have children, then more than 100,000 rubles.

I recently got right. Automotive.

Today I went to the city on one petty, but important thing.

Thoughts appeared along the way. And here I was the toad.

Suppose that I live in a "tribe", let's say that I "film" in the cinema "Lena". Suppose that I have 50 tr. And once again we assume that I have an old, but well-groomed and economical Toyota Corolla 94 G.V.

Let my "Correll" lightens on average about 15 liters per 100 km.

Calculate and compare my transportation costs before and after receiving car rights.

So, mathematics are extremely simple:

100 km \u003d 15 liters \u003d 15 l x 45 p / l \u003d 675 R.

1 km of way on my "Corolla" costs 6.75 rubles. Let it be 7 rubles, with our traffic jams on the roads.

Since I work in Lena and I live on the "tribe", then I drive every day on bus route Approximately 20 km, one way. It costs me 18 rubles.

Now I have a car - and it costs 20 km x 7 p / km \u003d 140 rubles one way.

Then in the evening I go back - it's on the bus worth 18 rubles. On your own car - again 140 rubles.

Suppose I still have a child, it must be needed in a kindergarten in the morning. There is also the second - it is necessary to go to school.

My wife works in my city. It must also be taken.

So, per day, my minimum on gasoline leaves 500 rubles somewhere.

Per month is 500 p. x 30 days \u003d 15 tr.

Now Indraiver. Suppose that hour payment is my 600 r. at one o'clock. Suppose I'm going without a break.

In the city, the average speed of cars is 40 km / h.

40 km x 7 r / km \u003d 280 rubles.

Profit my hour Endraiver ride \u003d 600 - 280 \u003d 320 p.

Suppose that per day I am absorbed 5 such hours \u003d 5 hours x 320 p. \u003d 1600 p.

Per month net profit (excluding benzine) 1600 x 30 days \u003d 48 tr.

But, damn, for this "Indraver", I will have every day for 5 hours to plow and "coffin" by my Corolla.

At the same time earning less than a film mechanic.

And this is not considering Depreciation for the car.

I'd rather I will be a filmmaker on "Lena" and every day on the bus "Go")))

Why do I need your car with such work?

And the wife and children are with them how to be?

The conclusion is one - in order to ride on your car, you need this car to work out your money, and it worked well.

Second - to have a wife and children to have a car, you need to work and make a lot more than a regular film mechanic)))

It turns out another conclusion.

The city is profitable(including Yakutsk) to normal citizen used everywhere and everywhere public transport. The benefit is huge, see for yourself:

Less cars - less extension of roads. Less accidents. Then part of the money allocated to the repair of roads can be used for the purchase of good municipal buses.

To stimulate it - you can pass through this bus to reduce up to 10 rubles. And everyone will ride on the municipalles, and the mayor of rubbing hands - and the sheep are brought away, and the wolves alone only municipal)))

No private routes \u003d)

Nowadays, the speed of movement plays a decisive role in many matters. If we are walking on all your affairs, instances and shops, then we, of course, will be a strong trained heart and legs. But, he shy to ask how much we would not have time for the average day to do? Of course, in large cities where the public transport system is developed, this problem is not so acute, but I speak from the face of small towns of Russia.

For the speed of movement and transportation of goods, there are many diverse and even exotic ways, however, people who love independence and freedom of movement prefer to have their own transport. Ideally car. About him and talk below.

For many citizens, the presence of a car under the windows of an apartment or in the courtyard of a private house has not yet been an indicator of status, because those times passed, but a vital necessity.

Availability of own iron horse Unlock hands and makes it possible to become a modern person to become mobile and as a result of competitive. You have more time to redo the important affairs, you can go to a hypermarket or wholesale base and get along there with products for a month at a bargain price, saving some amount of money. You can go to where you need, at the very point when you need it.

The author of this article, for example, has previously experienced huge inconvenience when they had to adapt to the schedule suburban busTo get to the next city, and from there to leave for a taxi. With the advent of several horse power This problem disappeared, it turned out that in fact free time is much more.

Again, family trips to relatives. Rude example: Family of four people rides 30 kilometers to relatives. The cost of the bus ticket is 50 rubles. We have the cost of 200 rubles one way. Plus from the bus station the minibus costs 10 rubles * 4 \u003d 40 rubles. Taxi 50 rubles. Calculate 50. It turns out that the trip is only one-way will cost 250 wooden. Plus the same back. Total 500. The old Zhiguli will spend the same gasoline trip, in terms of the domestic currency, somewhere for 200 rubles. And how many other pickles and jarry can bring dear grandparents with you! Or who is there? In any case, the warmth of the meeting of close people does not measure money.

There is another moment that carries both negative and positive properties. This car breakdowns. With a new car, you should not have any problems, but if your swallow has seen a lot on your life path, get ready to scroll, and with stubborn constancy.

This can be anything, starting from the replacement of the battery (2-3 thousand rubles), to overhaul Engine (7-15 thousand). And between them, the replacement of the burned silencer transmission OilRepair brake system With the replacement of its components and a lot of things, an interesting "real man."

Frankly, buying an old six, I killed two hares: I received the most, happy opportunity to become much mobility and a lively visual allowance for studying the car's device (as it was in this case full zero). It must be said that the swallow honestly did his job, fell quite a lot of nerves, she forced to understand, finally, in what the meaning of life.

Again, Lady, Lada, Muscovites and Volga, not to mention foreign specimens, have long become an indispensable assistants and a source of income for many of our compatriots. These are working horses that carry potatoes on the bazaar, cucumbers and tomatoes grown on their own fields and vegetables, they carry Chinese consumer goods from wholesale markets, work in a taxi, help to carry tools working on finishers, plumbers and working other specialties. For many families, their car has become practically synonymous with the word "life".

Having understood all the pros and cons of the ownership of the machine in the head, I understand that, despite all the costs and troubles, outweighs the entire scales with arguments for the profitability of the car, especially in the small cities of Russia.

Initially, it is worth understanding how you use or are going to use the car. The average person enjoys personal or to get to work in the morning, and in the evening to return home.

Another case of a car use is a long-distance ride to relatives, familiar or just a tourist trip to some city or place.

Based on this, we will not consider in this article those cases when a person on work has a whole day to use the car.

Alternative to the car

An alternative to a personal car can serve as a public transport, a friend or acquaintance with his car and a taxi. Consider each of these options in more detail.

Most of our readers live not in Europe. And therefore public transport In our countries leaves much to be desired. No working schedule when you have to come right bus, Constant Toltkoy, dirt and rudeness. But the big plus is the fare. In Russia, Ukraine and other countries of the former USSR, the fare is 10 times lower than, for example, in Germany.

Friend with your car - this is excellent option. But only if you are on the way and your graphs coincide. If you have no such friend, then there are many services that allow you to find a suitable companion for a reasonable fee. Sometimes even for free if the owner of the car is looking for a company with which it will be more fun to get to work. In any case, the fare is less than the cost of a taxi, but more expensive public transport.

And the last option - taxi. By comfort, we compare with the variant of the fellow traveler, but the price is much superior to it. Sometimes even two or three times. Fortunately, there is competition, and taxi prices are lower than could be.

Consider expenses

What time is the ownership of the car? On average, 9 liters of fuel per 100 km. There is a moment of depreciation of the car. Calculation of depreciation is a very controversial moment, but if the calculations are not for the company, but for themselves, it is customary to multiply the cost of fuel twice.

Russians for 9 liters of fuel will have to give 300 rubles, Ukrainians - 200 hryvnia. Total costs without force majeure situations with depreciation are equal to 600 rubles and 400 hryvnias per 100 km for Russia and Ukraine, respectively.

What time does the taxi cost? From Red Square in Mytishchi (the distance - 30 km) can be left for approximately 500 rubles. That is, it will come out about three times more expensive than if we used a personal car. In Kiev, 25 km will have to give about 110 hryvnia, which is approximately equal to the cost of using a personal car.

Public transport and the variant of the fellow traveler can not be considered because of the obviously more low prices For travel.

What everyone's forget about

So far it turns out that the car in Russia has it is 100% more profitable than using taxi for travel. As for Ukraine, expenses will come out about the same. But everyone forget about additional expenses on the car and hidden problems of ownership by the vehicle:

1. You need to think about parking. Residents of megacolis do not know what to park the car in the city is a large and often unresolved problem. In addition, you often need to pay for a parking space. And rather big money: in Moscow, the average cost of parking for an hour is 40 rubles.
2. You need to think where to leave the car at night. Not each of us has a personal garage or parking where we can leave your car and do not worry that it will be spoiled or hijacked. And even for parking you have to pay.
3. The car has a bodging property. At any time you can catch a hole on the road, and you will have to lay out a rather big amount, for example, for a new disk. And it will be one of the cheapest repairs of your car. Everything can be much worse. You can fly fuel system, suspension or even engine.

conclusions

If you need a car solely in order to get to work and from work, then you should think about 10 times, whether it is worth buying it. Holding a car is a very expensive event and, moreover, this is a big headache. For long trips, you can use buses, trains, airplane and others. vehicles. In extreme cases, you can rent a car.

Good development taxis services and healthy competition created very favorable conditions for those who can afford the car, but knows how to count money.

Using a taxi is minus high costs, minus car care, minus spent nerves due to traffic jams and various road situations.

There is a psychological moment here. After all, if you need to get to the neighboring metro station, you will most likely not call a taxi, but use public transport. Or do you walk on foot, which useful will affect your health.

Do you still want to buy a car?

Buying new car We, as a rule, rejoice in the acquisition and rarely think about how much its content will cost us. Gasoline, maintenance, insurance and so on are not at all cheap. Let's consider how much money will take the car from the wallet every year.

Naturally, our calculations will be approximate, but they will give a general idea of \u200b\u200bthe price of ownership of cars.

Take middle carwhich acquires a metropolitan resident. Whether it is Ford Focus or Toyota Corolla or what else, its average price in normal, and not bare configuration about a million rubles. As a rule, the car is purchased on credit. Suppose 600 thousand rubles. The buyer contributes its own and 400 lens at the bank at a rate in the area of \u200b\u200b20%. Payment of interest among interest will be 234 thousand for the entire period. rubles or 47 thousand a year.

Cosco must be supposed to be credited. This is about 100 thousand per year.
Osago ~
Tax ~

Almost forgot about car depreciation
Every year she loses about 10% of its cost. For five years of ownership of the machine (it is through such a period that the car changes, the loss varies with ~ 40% or 400 thousand rubles (an average of 80 thousand per year). We do not take into account the repair. We have a new machine and we assume that in five years it will not break anything in it. And the damages obtained in the accidents will be repaired by CASCO.

However, we have not moved from place, and the car is already 243 thousand rubles annually.

Now train
On average, every week the car will "eat" gasoline tank (2000 rubles) and run 500-700 km.
In the year 52 weeks. So, fuel will cost us 104 thousand rubles.
Annual mileage will be 30-40 thousand kilometers, and this is two then worth 15 thousand each.

Replacing rubber two thousand rubles twice a year, and four.
By the way, where do you plan to store rubber, in the garage? Then the cost of ownership of the garage must be added to the cost of ownership, because it is not needed without a car. But, suppose that you do not have a garage, but you also don't really want to store dirty rubber on the balcony. Then you will have to fork out for seasonal storage of tires from 500 rubles per month per set. Total 6000 rubles (this is not counting, actually, the cost of buying this rubber).

So carefully keep your rubber in:

By the way, the car itself must also put somewhere
If in the courtyard, then it is free. But if you do not want to wheel around the house in search of a free space, then be prepared to give 5 thousand per month (60 thousand per year) for a place on a guarded parking lot or renting a machinery in a multi-storey parking.

What else remains?
Penalties for violation of traffic rules and parking fee inside the TTK, plus a chance to run into not quite free evacuation. In principle, these are optional options, but it is not worth it. For 2014 paid parking, fines and evacuation brought about 10 billion rubles to the budget (2000 from each motorist).

Unplanned expenses:

Let's summarize the total cost of the cost of the machine per year:
depreciation - 80 thousand
credit - 47 thousand
Casco - 100 thousand
Osago - 12 thousand
tax - 5 thousand
gasoline - 104 thousand
That - 30 thousand
rubber -10 thousand
fines - 2 thousand
parking - 60 thousand.
TOTAL - 450 thousand.

It turns out that the cost of ownership of the car is almost half a million rubles per year. This is not a small amount. But there are cars worth 3-4 million rubles (Porsche Kayenn all sorts and other lend clubs) for them insurance, taxes, cost more than more expensive. There is a reasonable question, is not cheaper to ride a taxi? Moreover, now through Yandex it became affordable for the price.

Of course, many will say that they cost them no half a million rubles per year, but much less: they are for parking in the yard they until Do not pay, Casco does not buy, they do not fall into the accident and go to the car far from every day, but only on weekends to Auchan for the products and in the summer to the cottage. But if the machine is used only a few times a year, the more the question arises about the feasibility of its purchase.

I do not attend anyone to speak from the car. We just understand how much do we really do it? Did you think about getting rid of him, and the money saved to spend on ourselves, or at least somehow reduce the costs of it. Share your personal experience.