HomeMy WebLinkAboutThe Citizen, 2013-10-31, Page 14PAGE 14. THE CITIZEN, THURSDAY, OCTOBER 31, 2013.
Balance needs, wants when buying a new car
MS –Buying a new car can be as
fun and stressful as buying a home.
While a home is the most significant
investment many people will make
in their lifetimes, new automobiles
are considerable investments as well
and the financial commitments
buyers must make when purchasing
new cars can understandably add
some stress to an otherwise
enjoyable process.
Buyers who want to eliminate
some of the stress of buying a car
can take a pragmatic approach
before visiting the dealership and
test-driving any vehicles. Such an
approach can help buyers find a car
they can afford and one they will
enjoy driving. The following are a
few factors buyers should consider
before they begin the car buying
process.
Need vs. Want
Car buyers often struggle when
considering what they need out of
their next car versus what they want.
A fully-loaded sports car might be
what your heart desires, but such a
vehicle is impractical for many car
buyers.
In recent years, the debate of need
versus want has grown somewhat
easier for many car buyers, as more
and more vehicle manufacturers
have begun to make standard certain
features that were once considered
luxuries. So in some instances,
buyers don't need to wrestle with the
decision to splurge on satellite radio
or leather seats for their vehicles.
But the need versus want debate
extends beyond a vehicle’s features.
Determining the type of vehicle you
need versus the type you want can
be a difficult part of the decision-
making process. Consider your
daily commute, your typical number
of passengers, where you do your
driving and whether your car is
solely a means of transportation or it
doubles as a work vehicle.
The answers to these questions
should shed some light on the type
of car you need, which may even
prove to be the same car you want.
But when buying a car, don’t allow
your wants to outweigh your needs.
Otherwise you could end up
regretting your decision.
Budget
Budget is another consideration
for buyers before they start looking
for a new car.
Buyers shopping for a new car
likely know their next vehicle is
going to cost a substantial amount
of money, and they should
determine how much car they can
afford before visiting a dealership.
Many buyers finance their
vehicles, which means they will
have to make monthly payments to
the lending institution that holds the
title to the car until the loan is paid
in full. When determining how
much you can afford, jot down your
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you simply want? It’s time to balance. (MS photo)
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