When Should You Buy Your First Car?

When Should You Buy Your First Car? | CA Rachana Ranade

Рет қаралды 533,188

Күн бұрын

In this video, I will be discussing with you all, how and when should you buy your first car, how to plan a budget for your Car, and also I will be sharing my thought process behind buying a car which will help you in making a wise decision when you decide to purchase a Car.
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What is covered?
0:4 Introduction
1:43 How to plan a budget for a car?
03:10 Thumb rule for creating a budget
04:03 Example of a budget
09:49 The CARR way of budgeting a car
10:22 Other costs that should be factored in?
12:06 Is there any ideal time to purchase a car?
12:42 Decision making flowchart
15:49 How should you finance your car?
17:39 Car resale
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Пікірлер: 708

@CARachanaRanade 2 ай бұрын

To watch this video in Hindi : kzfaq.info/get/bejne/fNtjdLecrNKsZqc.html

@mybloodlines Жыл бұрын

I bought my first car when i was 25 years old. Of course no idea what’s the thumb rules and all. I dont know if i did did wrong or right. I am 32 now I am glad I bought it that time. 7 years were fun wonderful. I took my parents to many places. I never let them take any auto bus train . convenient all times. My mother passed away this year. If i could have ever waited for right time to buy car those glorious pride in mom’s eyes could have been missed. Just do what your heart says. I am from middle class family. I do know it is depreciating asset. But remember you pay premium for convenience on any items your purchase. I have seen people dont eat out side god don’t go movies. I have seen people who do. Guess what both are gonna die one day. Remember to save for future and at the same time also taste the materialist world. Edit: I bought my second car in 2023 Tata Harrier. Feels like top of the world. Dad is so proud as no one from my family ever bought a SUV.

@swapnilbodade1336 Жыл бұрын

🫵

@swapnilbodade1336 Жыл бұрын

I have saved this comment so that it will inspire me

@shivamnegi4873 Жыл бұрын

Right, man

@shivaanemohan7503 Жыл бұрын

I agree 👍

@santhoshyoganand Жыл бұрын

Best response. I bought my car at 25 too even though I paid 30% of my net salary as EMI. I was able to get my grandfather sit in it and take him for around my native place. I lost him in less than a year's time. All rosy stuff these youtubers talk are very idealistic and even might not best suit them! Follow your heart and little brain will work most of the time.

@Ankit-wd7qz Жыл бұрын

Even if you always invest in appreciating assets and watch your money grow, it can give you a feeling of satisfaction and peace, but to enjoy your money, it has to be spent on depreciating assets. Always remember, you're not gonna live forever. Some things can be enjoyed only till you're young. 🙂

@shivamnegi4873 Жыл бұрын

Right. It's all about balance. Invest some, spent some to have that balance of satisfaction,peace and enjoyment!

@rahulkulkarni7467 Жыл бұрын

Well said

@papai504 Жыл бұрын

Very well said. We should understand the value of a thing. A harley Davidson will no value to a 60year old person but will mean the world to a person who have bought it in their late 20's from their own money

@stkr9619 Жыл бұрын

Correct bro.. many people ended their life in mid due to corona .. every time .. every penny is imp think, spent and enjoy

@emailjibudhan Жыл бұрын

Nowadays there is a trend going on in KZfaq shorts Everyone is a finance influencer with the same dialogue

@rahulkulkarni7467 2 жыл бұрын

My formula is simple. I invested every penny in mutual funds. Created a good basket. Now I have booked 2 BHK. Will buy four wheeler next year ( no priority) and will start exploring India and world in coming years. (without touching my core portfolio)

@whatsapp0208 2 жыл бұрын

👆👆 Thanks For Watching. Reach out to our Personalized beneficial advise.

@vineetk100 Жыл бұрын

Which mutual fund ?

@jagandas8322 Жыл бұрын

Which mutual funds

@rahulkulkarni7467 Жыл бұрын

@@jagandas8322 so many schemes. You can choose nifty index fund, flexi cap fund, if you can wait more patienly then small cap and / or infotech sector fund. Please don't stop investing until you reach your dream corpus

@ronitroy3174 Жыл бұрын

@@rahulkulkarni7467 how is etfs compared to mutualfunds

@sunilkumargopinathanpillai4888 2 жыл бұрын

Rachana, as always, very crisp explanations. Keep going. I want to add 3 more points on advantages 1. It saves time and can do much more with a car if use effectively 2. Should buy a car at appropriate period of life when your children are with you. No point in waiting till retirement :-) 3. Particularly for ladies staying alone, car gives protection and confidence

@CARachanaRanade 2 жыл бұрын

Appreciated.. Thank you for your feedback.

@apurvpatil192 2 жыл бұрын

Best loan is no loan for a depreciating asset.

@livestyle5527 Жыл бұрын

Lol...then don't buy car and on one day when u r in urgent medical condition and need to rush hospital then best of luck booking a cab on oka and uber which shows 10 mins on the way or try asking neighbours and then u know the emotional quotient which these financial analysts bring into consideration

@apurvpatil192 Жыл бұрын

@@livestyle5527 I bought car in cash. Speak for yourself.

@livestyle5527 Жыл бұрын

@@apurvpatil192 there are thousands of people who do that everyday but they don't call it depreciation asset...it helps when u need it without realising it many times.

@apurvpatil192 Жыл бұрын

@@livestyle5527 It is a depreciating asset. Why did my statement bother you? It was not targetted towards anyone.

@terrybatman Жыл бұрын

Eh second hand prices of cars are seriously high now. A car 3 years old still goes at almost 70% of the price

@tapabratamukherjee7659 2 жыл бұрын

Factors which are not considered: 1. Asset(car) price also going up over the roof nowadays. So investing the money now, and buying the car later may not be a money saving decision. 2. It also bring many more opportunities like easier and flexible maneuver within your workspace etc, which can increase time value.

@SM-ih3go Жыл бұрын

True after BS6 emission norms, the rate at which car prices are going up is more than the returns on FDs.

@chinmaysawant9275 11 ай бұрын

Very true

@edwingrigary 10 ай бұрын

I have 10lakhs in my hand... Instead of buying it in full cash payment mode.. I invested the 10lakh in Mutual fund SWP scheme and bought the car in EMI. Used the 1% SWP withdrawal amount every month to pay the EMI... At the end of 8 year EMI period, my entire capital of 10lakh remains the same and will use the remaining amount to pay of the balance loan amount

@RishiSharma-ti4bt 2 ай бұрын

Partially wise but you are disturbing the compounding effect

@mackisbrocklesnar Жыл бұрын

Living in a city centre, I have never ever been in a situation where I felt car would have made my life better. Cheap and well connected public transport plus cab services makes owning a car absolutely obsolete. Except for once a lifetime occurrence like 1st wave of lockdown, not having a car makes life only better.

@pradeep2kedar 2 жыл бұрын

One major correction: my annual income is 24 but i pay emi of 36k to gov for great services like Road, Education, Healthcare and awesome air. 👌 i cannot afford anything now.

@SupriyaMondal3 Жыл бұрын

LoL .. truth

@sar3388 Жыл бұрын

Don't worry, this formula is stupid.

@siddharthgoyal4008 9 ай бұрын

@@sar3388 it is sensible.

@rakeshkumar.s8353 Жыл бұрын

50-30-20 needs drastic change, 40 basic expenses, 40- savings, 10-wants, 10-Misc Use car as pool share and make as little possible. My entire car loan was interest free because, interest was earned by car pooling. Buy a car even if it's depreciation asset, if your work , personal life needs frequent commute, travel places and enjoy. Cabs are no way cheaper...

@parthasarathy5222 Жыл бұрын

Could u explain further Have u shared with friends or family How u pool shared explain

@shuttertux1666 2 жыл бұрын

This was exhaustive and crystal clear. Thank you for making it so easy to follow. Do make a video on when to buy a house on similar lines.

@whatsapp0208 2 жыл бұрын

👆👆 Thanks For Watching. Reach out to our Personalized beneficial advise.

@CARachanaRanade 2 жыл бұрын

Thank you for your suggestion will try to bring it up soon.

@KailashRathithedentist Жыл бұрын

Brilliant timing. I was trying to plan to buy one and I've found your video to be a lot enlightening.

@CARachanaRanade Жыл бұрын

Glad I could help.

@shubhambhopale4603 Жыл бұрын

Rachana ma'am, you are awesome. Helped made my decision of buying a CAR more conscious in a good way. Thank you!

@mallipeddishashank8714 Жыл бұрын

Such a great explanation by you ma'am. Really needed this suggestion and got this video at right time as i was planning to save for buying a car in near future waiting to see more such informative videos.

@sanjeebmandal7820 Жыл бұрын

Thanks rachna its just beautifully explained

@DadhiwalaTraveller Жыл бұрын

11 months ago Watching this video to Meeting you in person at seminar.. It was great pleasure to attend your seminar.. Truly Inspirational!! 👍

@SkillslliK Жыл бұрын

Great share of wisdom, had to subscribe for a good advocacy of financial saving and the way of utilising money.

@niranjanparanjape4517 Жыл бұрын

Super and educational explanation. Thank you

@awpharsh7080 Жыл бұрын

Thank you so much for this video Rachana!

@AutoPulse Жыл бұрын

In general most car are depreciating asset. But there are definitely few which hold very good value. Club the cab expense and and resale these few cars command one might end up net positive even after owning the car. My only problem with new age excel savvy financial experts is that they miss out many non quantitative benefits.

@drm.yugandharudu1418 Жыл бұрын

Thanks a lot mam you are given excellent financial plan for car.

@subratadas6541 Жыл бұрын

A very well thought video on car puchase decision. Thanks for creating this. Clarified a lot of doubts.

@CARachanaRanade Жыл бұрын

Glad you liked it.

@floraexoticsfloraexotics 7 ай бұрын

Very good video Maam . Sometimes for some individuals the passion takes over sense . It’s all about the passion and the memories they make with machine.

@ganeshbharsat2385 Жыл бұрын

Great Madam its, very useful for everyone's.... Thanksgiving this knowledge.

@bosechotka Жыл бұрын

Simply mind opening vdo. Fantastic.

@beingcrackerjack4091 2 жыл бұрын

Mam, Similarly we would love to see a video more on "How/When to buy your first Rental Property or things to consider when you are building your first ever home?"

@CARachanaRanade 2 жыл бұрын

Thank you for your suggestion will try to bring it up soon.

@srusthidharkhot4004 Жыл бұрын

Or also how to plan a foreign trip!

@ajaysahare30 Жыл бұрын

@@CARachanaRanadejai bhim

@meenakshisaraswat9271 2 жыл бұрын

Dude you are too good. Ppl don't even think like that remotely about things..

@indiandog1008 Жыл бұрын

Rachana madam you give practical simple explanation related to money and finances. God bless you

@udaybhaskar7233 Жыл бұрын

What is one going to achieve after saving most of the earnings and passing it to next generation one fine day....

@maheshpaithankar2306 Жыл бұрын

video is great. gives great ideas about traps and freedom.

@payaspisolkar4248 2 жыл бұрын

Great video on this topic with a very impressive calculations and prospective given for quick decision

@CARachanaRanade Жыл бұрын

Glad you liked it!

@jayantbhave5104 2 жыл бұрын

Rachana… You forgot to mention 2 most important points 1) First learn to drive the car from a good motor training school. Learn on the same car which you plan to purchase 2) Get the driving license and become legal. Having a driving license and knowing how to drive are two different things in India

@shraddhasable5416 Жыл бұрын

😂😂😂

@saurabh459 Жыл бұрын

Epic!

@Ankitwriter812 Жыл бұрын

🤣🤣🔥

@mihirpanchal3817 2 жыл бұрын

Hi Rachna, Great video ! 👍 However I suggest you to include the aspect of existing liabilities in terms of loans (personal /educational / home) while making a decision . This could help in guiding youngsters especially those who have just graduated and started their professional journey

@CARachanaRanade 2 жыл бұрын

Thank you for your suggestion.

@neerajsharma-ti6kh 11 ай бұрын

😂

@janhavi23 Жыл бұрын

Thank you so much for this video

@iamtoxic218 2 жыл бұрын

Spammers are replying on literally every comment in this comments section... Hope you will take an action before someone falls in to their trap. 😐

@viralpadhiyar8123 Жыл бұрын

Thanks a lot madam For always right direction given to students 🙏

@user-uk5ym8hv2t 2 жыл бұрын

Very impressive .. thanks for this video

@CARachanaRanade 2 жыл бұрын

Thank You 😊

@gokulgio1435 Жыл бұрын

Beautifully said 👏👏

@pauls8565 Жыл бұрын

excellent explanation, thank you maam

@vinaypitre3961 Жыл бұрын

Khup bhari... Exactly same way Home Buying varti ek video banava..

@harshalshinde227 2 жыл бұрын

Very good advice and new perspective

@CARachanaRanade 2 жыл бұрын

Glad you liked it.

@Trilok22 2 жыл бұрын

Good video. Relatable and convincing on the concepts to be applied and maths (funds) to be considered while purchasing such depreciating assets.

@CARachanaRanade 2 жыл бұрын

Thank you for your feedback😊

@patelmalav82 2 жыл бұрын

Finally a sensible video

@siddheshpatkar7616 Жыл бұрын

Thank you mam 👍🙏 mast explain kel aahe tumhi

@eagletradingclubofficial 11 ай бұрын

Really great explanation ma`am👌👌

@moni-fm4mh 2 жыл бұрын

Wonderfully explained maam thanku sooooo muchhhhhh💫😊. unlike others u also gave positive aspects , otherwise KZfaqrs suggest dnt buy a car .it really demotivates us who are really in need of car

@CARachanaRanade Жыл бұрын

Thank you for your feedback.

@karthikeyan-hh3ll 2 жыл бұрын

That is how she bought new car by promoting sponsored videos by trapping new retail investors. She's here to make herself rich not others.

@kannanrajan5469 2 жыл бұрын

Amazing video. Even thought it is money related video, i could see more phycological approaches on it. Worth to view even many times.

@CARachanaRanade 2 жыл бұрын

Glad you liked it!

@krishna7862 Жыл бұрын

Somehow missed this video of Rachana ji. Yet I am not late to share it with some of my friends and learn myself a numerical method to make rational decision. Although without numbers and based on my needs I have long decided to personal stick with ola or uber irrespective of their charges. Based on the occasion or needs I choose an auto or a mini car or a luxury car. Personal transport has always or most of time been either a 2 wheeler or public. transport.

@ruchir7in Жыл бұрын

Amazing explanation

@GluedGaming Жыл бұрын

Awesome Maam. Subscribed!!

@vmddhamanekar5393 2 ай бұрын

Very good explanation madam Thanks for the guidance

@geetakendre1826 Жыл бұрын

Great video

@anindita5976 2 жыл бұрын

At right moment of my life you have uploaded this video...thank you so much Ma'am. Love your presentation and style of giving knowledge.

@whatsapp0208 2 жыл бұрын

👆👆 Thanks For Watching. Reach out to our Personalized Financial Coaching.

@CARachanaRanade 2 жыл бұрын

Glad to know that. Thank you :)

@InvestAajForKal 2 жыл бұрын

Starting🔥🔥 Hats off

@whatsapp0208 2 жыл бұрын

👆👆 Thanks For Watching. Reach out to our Personalized beneficial advise.

@varunmahawer2061 2 жыл бұрын

@investaajforkal anant sir 😀

@CARachanaRanade 2 жыл бұрын

Thank you 😊

@akulchadha2069 2 жыл бұрын

bhaiya aap yha

@chinmayteli110 Жыл бұрын

december is ideal month because companies want to clear stock of cars because in january they want to start production for that year and increase price. however january is not ideal time because price goes up and generally u might not get good deals so u have to be careful

@sanketsanghi1464 Жыл бұрын

Ma'am, Mental Piece is over and and above all the formulas, with current trends of NASDAQ and NIFTY, looking at the no. of layoff's even by companies like Tesla, [the more higher the down payment = the more secure the future one can have] Also isn't it always better to have same amount of investments in SIP with same amount of vehicle loan EMI to eliminate the finance cost?

@smartmindschessacademy2888 7 ай бұрын

good information sister .... Thank you

@SumitKumar-mp3bq Жыл бұрын

well explained video keep up the good work Rachna

@CARachanaRanade Жыл бұрын

Thank you 😊

@prashanthp2594 Жыл бұрын

Excellent content.

@hellobuddy9126 Жыл бұрын

Excellent explained 👍

@CARachanaRanade Жыл бұрын

Thank you 🙂

@srivastavavikas29 2 жыл бұрын

Thanks for this session Rachana, Please share about Momentum investing and REIT ETF Stock investments

@srivastavavikas29 2 жыл бұрын

Momentum index fund to be precise

@DiesMemoria 2 жыл бұрын

Thanks for the advice 🙂

@yosingh7479 2 жыл бұрын

Thank you ❤️

@prashilgadge1710 Жыл бұрын

Thank u very much ❤ I have postponed my plan now 😅

@neerajsharma-ti6kh 11 ай бұрын

Hi rachna, Great knowledge video Aakhe khool di

@Bmohanty35 2 жыл бұрын

Good advice mam🤗 and strong analysis. This also helps how to plan other big purchases. Thanks

@user-gg2ut9ok5w 2 жыл бұрын

Thanks for watching 👆👆 For mentorship and Information Message me direct✅✅

@CARachanaRanade 2 жыл бұрын

Glad it was helpful! Thank You 😊

@vrujpopat2640 Жыл бұрын

Hehe...Firstly, thanks ma'am for such an insightful video..I really loved it....Now Just something what I observed. Using the CARR i.e. 30% in wants rule means you won't be spending anything big in your wants for that particular month han! (May be for 4 years of EMI, ignoring the income growth for once). You've already reached the limit of WANTS criteria by paying Car EMI...hehe so dear fellows please do consider this also before getting excited! I also got excited for once but then I realized this🤣

@JaspreetSingh-kp1zn Жыл бұрын

Mam you should have mention annual income after taxes as most people will take annual income as CTC which would be way beyond the real number as 20%, 30% as tax would already be deducted.

@gdthegreat Жыл бұрын

nice video mam, and here I was dreaming to buy Toyota Fortuner....

@kailashjbora1929 2 жыл бұрын

I would use for renting and self also

@mukundmurarisarang5747 2 жыл бұрын

Mam you have explained very intelligently.

@CARachanaRanade 2 жыл бұрын

Thank you for your kind words, do let me know in the comments which part in the video you liked the most.

@rajchheda6947 Жыл бұрын

What should be an ideal amount in terms of percentage of total net-worth for a retired person, who doesn't have an income, but wants to buy a car to live happily for the rest of the years?

@InvestingJourneyWithYogesh 2 жыл бұрын

it is great time to buy now...retail investors will not have conviction unless Nifty is again above 18,000...then, the risk-reward ratio will not be favourable...retail investors are always late...valuation is reasonable right now...commodities have already steeply corrected...impact will soon be seen on food inflation, consumer price index, producer price index, etc....we should use the dips now to accumulate some quality stocks like Fiem Industries, Tube investments, Lancer containers, GNFC, etc.

@krishnabhargav836 Жыл бұрын

Mam this video was obviously great and helpful but it would have been better if you had taken the tax slabs (general and approx) into account and then had calculated, but it's very elpful for the newbies who are just starting their career. Thank you Hope you have merc GLS in your garage

@akashkulkarni3580 Жыл бұрын

I have a question. If someone like me who cannot drive a car, but planning to buy one in near future assuming all quantitative factors and qualitative factors (that you mentioned), then should I go for buying? or Should I think of buying a 2nd hand car for initial period? or should I just focus on learning the same fully before buying the one? I think this angle , with risk analysis and Pros & Cons of every option, will help more to the people like me.

@venkatramananranganathan2827 Жыл бұрын

Bro learn Driving first, that's what you will have to consider first. Being a Beginner, I will suggest you. Just consider if you want to. Buy a new Car itself, it will cost you less maintenance than a second hand car. If you have family of more than 4 members than consider a SUV, else go with Hatchback or Sedan itself as a first car. Also ask the concerned sales person in detail about maintenance of the car beforehand so you don't feel it expensive to maintain. Always ask for a Long Test Drive coz you can feel if it satisfies your requirements. Then buy that car you wish to. All the best and Happy Motoring.

@AshutoshGavand Жыл бұрын

Buy car when you need it, don’t listen to people suggesting buy/not buy. If your travelling need fulfilled by public transport,shared travel, private cab services then it’s useless to buy/lease car. But many times car becomes need let’s say when you have baby or you often visit to places with low transport options. In that case all the investments related advices are not relevant.

@kaustubhmulay9195 2 жыл бұрын

Hi Rachana. Indeed a very strategic video. Definitely something everyone could use irrespective of whether it's the first or the next car. So, kudos and thank u. I however disagree with JUST ONE point you mentioned in the Qualitative Factors. Buying a car coz u feel one would be judged. While one might argue that your point was about investing (buying a car) for a return (getting business), is it really worth anything to do things to please others? I remember Morgan Housel. Being rich vs being wealthy. Wealth is the things NOT BOUGHT. if the idea is bright and has an edge, business will come irrespective of a show off. So, don't please other. My POV of course.

@CARachanaRanade 2 жыл бұрын

Appreciate your feedback.

@prashanth786kbs Жыл бұрын

Hi Rachana, Good to see u. Well explained. What do u suggest a person getting 50k salary and no emi?

@surajkadam8032 2 жыл бұрын

Hi Rachana ma'am, Great video. Please make similar kind of video for first time house buying as well. That would be really helpful to us

@Unknown-nd3pw 2 жыл бұрын

Brother need 10k urgent bro please help I will repay u

@CARachanaRanade 2 жыл бұрын

Thank you for your suggestion will try to bring it up soon.

@MaheshKumarBHUSAVAL 2 жыл бұрын

Great Job Mam 👍👍🙏

@jitendrajoshi75 2 жыл бұрын

You are great...all the best

@CARachanaRanade Жыл бұрын

Thanks 😊

@amitghure9662 2 жыл бұрын

Everything which ma’am has told is correct but everytime its not about analysing what is the exact time…If it is satisfying you then its a good decision

@CARachanaRanade 2 жыл бұрын

Yes, qualitative factors are also important.

@anizahmed9555 Жыл бұрын

Ahh..comment section is soo interesting I had to rewind this video multiple times

@vamshiabhilash Жыл бұрын

I'm 27 n have a nano mine is a need based want I don't like showing off my lil red 016 xta nano provided 20 mileage less maintenance n I intend to keep it while I save for something big thank you Rachana akka

@biswajit07 Жыл бұрын

1:17 Hyundai i20 old wala model

@arnavkhandekar166 2 жыл бұрын

You did a makeover nice

@CARachanaRanade 2 жыл бұрын

Thank you😊

@paperroast2065 Жыл бұрын

After watching ur video, booked a new car with 2Lac down payment 6L loan.

@phaneendramuttigi Жыл бұрын

Just to add one more point here: How about Car lease policies which companies provide where complete Car EMI will be not taxed at all. Road Tax and insurance will be borne by company itself.

@mahadebdawn4545 Жыл бұрын

Thanks

@amritamundal5724 Жыл бұрын

Hello Rachna Ma'am, could you please let me know if buying a second hand car is a good idea? Any guidance around that would be helpful, thank you

@aniketchavan3614 Жыл бұрын

Thanks 👍

@atulhukkeri9786 Жыл бұрын

Dear Rachana, while calculating the other cost of car you have not considered esteem cost (Qualitative factor)...please take into your consideration the present value of each payments.

@BeatBustersDance 2 жыл бұрын

Need a video like this for buying house or land

@CARachanaRanade Жыл бұрын

Shall try.

@sonalipawar5717 2 жыл бұрын

Simply great

@whatsapp0208 2 жыл бұрын

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@Lakshmanan_raman 2 жыл бұрын

Can you make a video on the taxation on cars - There are various slabs in length of car, the ex showroom price etc. like the base variant will attract say 10% the top variant can attract upto 30% tax since the top variant will cross 10L ex showroom price. They go hidden and not most people check out the same.