Inyathelo 1: Indlela yokuGcina imali kwiiNtshontsho zentengiso entsha
Ngaphandle kokuthenga indlu, ukuthengwa kwemoto entsha kukunye kwezona zinto zininzi ezenziwa ngabantu abaninzi. Ngelishwa, zizinye zeentetho ezisoloko zenziwe kwintengiso yomthengi. Ngaphambi kokuthenga imoto entsha, qalisa ngokufunda malunga neendlela ezi - 5 ezinkulu zokugwema xa kuthengwa imoto . Emva kokuba uzifundele ngezo mpazamo zokuthenga imoto eziqhelekileyo, jonga la mathuba ukugcina imali xa kuthengwa:
- Gcina imoto emide kunokuba uthengise yonke imbalwa embalwa. Akukho kuphela iindleko zeemoto ezintsha ezikhuphuka ngonyaka, kodwa iimoto zinciphisa ngokukhawuleza, kwaye xa uthengisa rhoqo, ulahlekelwa yimali kwixabiso elincinci lokuthengisa. Thenga imoto esemgangathweni kwaye uyigcine iminyaka emihlanu ukuya kweyisixhenxe. Ubungakanani bemali yokulondolozwa: i-$ 400-1,000 / yr.
- Xa uthengisa imoto entsha, qwalasela imodeli encinci. Zihlala zibiza, kwaye ngenxa yokuba zikhanya, zihlala zifumana i-petroleum mileage engcono. Ukongezelela, i-inshorensi ingabizi. Ubungakanani bemali yokugcina: i-400-600 / yr.
- Xa uthengisa imoto entsha, qwalasela impembelelo enokukhetha kwiinkalo ezahlukeneyo kwezoqoqosho. Ngokomzekelo, unika amadola amaninzi ngegolon xa usebenzisa umoya omoya kwindlela ehamba phambili kunye nangaphezulu kwi-traffic-stop-and-go traffic; ukuthunyelwa ngokuzenzekelayo kufumana malunga ne-5 mpg ngaphantsi kwee-transmissions; Ii-injini zeesilandathu zifumana ama-4 ukuya ku-5 mpg ngaphantsi kweenjini ezine-cylinder. Ingeniso Yokugcina Imali: $ 400 / yr okanye ngaphezulu.
- Ungathengi ubomi besikweletu okanye u-inshurensi yokukhubazeka kwintengo ngokusebenzisa umthengisi wemoto xa uthenge imoto entsha. Abanye abathengisi bayayithengisa kanzima kule mibalelwano, kodwa iphezulu kakhulu, kwaye ukuba ifakwe kwi-mboleko yakho yemoto, awuyikuphela kuphela ukuhlawula i-100% ukuya kwi-500% ngaphezu kokuba ufanele ufumane umrhumo, uhlawula umdla kuyo. Qinisekisa kwi-inshorensi yobomi kunye nokukhubazeka kumqeshi wakho okanye umgaqo ngamnye. Ubungakanani bemali yokulondoloza: $ 300-500.
- Qaphela kakhulu ukuthenga iinkontrakthi zenkonzo okanye uqinisekiso olongezelelweyo kwiimoto ezintsha ngokusebenzisa umthengisi wakho. Abaninzi babo banomsebenzi omncinci (nangona oko umthengisi anokukhokelela ukuba ukholwe) kwaye baxabisa kakhulu kuneenkqubo ezithengiweyo ngqo kubaniki banikezeli nge-Warranty Direct ( www.warrantydirect.com ) . Ubungakanani bemali yokugcina: i-$ 500-1,000.
Inyathelo 2: Indlela yokuGcina imali kwiSondlo seMoto
Emva kokuthenga okokuqala, unayo indleko yentlawulo yakho yenyanga, iipresimesi zomshuwalense, kunye ne-petroli. Ukuba ulandela isiluleko sethu sokuqala (ukuthenga imoto esemgangathweni kunye nokuyigcina iminyaka emininzi), ngokuqinisekileyo uya kuba neendleko zokugcina imoto. Kodwa kukho amathuba okulondoloza imali apha, kwakhona:
- Gcina kakuhle imoto yakho. Imoto ejongene kakuhle isebenzisa phakathi kwe-25% kunye ne-33% ngaphezulu kwe-petroli ngonyaka. Kuyabizi ukuhlawula iindleko ze-tune-up. Ubungakanani bemali yokugcina: $ 150-250 / yr.
- Sitshintsha i-oyile kunye neoli yefayile kwimoto yakho yonke iikhilomitha ezingama-3 000, kungakhathaliseki ukuba unobunzima kangakanani umyalezo wakho umcebisa. Utshintsho oluthe gqolo lweoli lubaluleke kakhulu ekwandiseni ubomi benjini yakho, kwaye kuya kuba ngaphezu kokuzihlawula ngokwabo ekulungiseni ukulungiswa kunye neenjini. Ubungakanani bemali yokulondolozwa: i-$ 500- $ 3,000.
- Hlola i-air filter yakho ngenyanga. Isihlungi esingcolileyo siphucula ubomi benjini kwaye sinciphisa i-petroleum mileage ukuya kwi-10%. Unokuyihlambulula ifayile ngokuyifaka kwaye uyivuthe nge-hose hose, okanye ungayifaka. Ubungakanani bemali yokugcina: i-$ 130 / yr okanye ngaphezulu.
- Sebenzisa amathayi endiza e-metal. Oku kunokwandisa i-petroleum mileage ukuya kwi-10% ngonyaka. Ubungakanani bemali yokugcina: i-$ 130 / yr okanye ngaphezulu.
- Ngaphandle kokuba imoto yakho ingqongqo kwaye igxininise, ungasebenzisi igesi ephezulu ye-octane kunokuba isiqununu somnini wakho sincoma. Kwiimoto ezininzi, i-premium petroli ayiniki inzuzo. Ngaphandle kokuba imoto yakho inenjini ephezulu kwaye umenzi wakho uncoma i-octane ephezulu, sebenzisa igesi engabizi. Igazi ye-premium ixabisa i-10% ukuya kwi-15% phezulu kunexesha eliqhelekileyo. Ubungakanani bemali yokugcina: i-$ 200-400 / yr.
- Khangela uxinzelelo lwakho lwebhede rhoqo. Unokulahlekelwa ukuya kuma-6% kwi-petroli mileage nganye kwipilisi ye-inflation. Ubungakanani bemali yokulondoloza: i-$ 140-400 / yr.
- Yongeza amawaka eekhilomitha ebomini bamathayi akho ngokuzilinganisela kanye ngonyaka. Ukongezelela ekubhubhiseni iinqununu, amathayi afanelekileyo angakwazi ukuphazamisa ukutshitshiswa kwakho kunye nokulimaza inkqubo yakho yokumiswa, okukhokelela kwiindleko ezingaphezulu. Ubungakanani bemali yokugcina: i-175-250 / yr.
- Hlola amanqanaba amanzi rhoqo. Amanzi ebhetri aphantsi aphelisa ubomi bhetri. Khangela kwakhona ukupholisa, ukuhambisa ngokuzenzekelayo kwamanzi, kunye nokuqhekeka kwamanzi kunye ne-clutch fluids. Ubungakanani bemali yokugcina: $ 50-300 / yr.
Inyathelo lesi-3: Indlela yokuGcina imali kwiGesi nokuPhatha
Ngoxa ngokuqinisekileyo awukwazi ukuxoxa ngexabiso lentengo yegesi ngendlela onokuthetha ngayo intengo yokuthenga imoto, unokuthatha amanyathelo okunciphisa iindleko zakho zegesi. Uninzi lweentlobo zethu zangaphambili zizokugcina imali kwisikhululo segesi njengoko ziyakwenza ukuba imoto yakho ibe namandla ngakumbi, kodwa zizinto ezimbalwa ongakwenza ukuze ugcine:
- Pompa igazi lakho. I-gas-self-serving ishixa i-5% ukuya kwi-10% engabizi ngaphezu kwenkonzo epheleleyo. Ubungakanani bemali yokugcina: i-$ 65-130 / yr.
- Musa "phezulu kwi-tank" xa uphonsa igesi. Ezinye zegesi zingapheli ngokugqithisa xa zanda elangeni okanye xa ubeka ipala. Ubungakanani bemali yokulondoloza: i-$ 20-53 / yr.
Inyathelo 4: Indlela Yokugcina Imali Ukuphuma KwiPalati A ukuya kuPhakamiso B
Ekugqibeleni, kukho iindleko ezinxulumene nokufika kwiPawulo A ukuya kwiPhapha B. Nazi izicwangciso ezimbalwa zokugcina imali ethile kwiindleko zokuqhuba:
- ICarpool yokusebenza. Ngokwabelana ngesithuthi kunye nomntu omnye omnye, ungasindisa u-20% / ngenyanga okanye i-$ 200 / ngonyaka kwi-petroli yodwa xa uhamba uhamba ngeekhilomitha ezingama-20 ukujikeleza usuku ngalunye. Ukukwabelana ngokuqhuba kunye nabanye ababini kwandisa ukonga kwakho ngakumbi. Ugcino luyahlukahluka ngokuxhomekeka kubude bakho bokuhamba. Ukongezelela ekulondolozeni i-petroli, uya kugcina iindleko zokugcina kwaye ugqoke kwaye udilize kwimoto yakho. Ubungakanani bemali yokugcina: $ 400-700 / yr.
- Enye inzuzo kwi-carpooling kukuba ukunciphisa i-mileage yonyaka kwimoto yakho. Ekubeni oku kunciphisa umngcipheko wengozi, inkampani yakho yomshuwalense inokukuhlawula imali encinci ukuze ufumane ingxelo. Qiniseka ukuba ubuyekeze iimitha eziqhelekileyo oziqhubayo kunye nenkampani yakho yomshuwalense ukuze ugcine imali. Ubungakanani bemali yokulondoloza: i-$ 25-50 / yr.
- Iimpawu zokuqhuba umbane ezinokutsha ziyakwazi ukuphindwa kabini ukusetyenziswa kwamanzi Ukuphuhlisa imikhwa yokugcina igesi, njengale: (1) rhoqo ukukhawuleza ngobumnene; (2) ubukele i-traffic phambi kwakho ukuze ukwazi ukulindela ukukhawuleza kwaye ugweme ukuyeka; (3) unxweme ukuya kwiindawo zokuhamba ngeemoto ngokuphakamisa unyawo lwakho kwi-pedal ye-gas pedal esikhundleni sokusondela ngokukhawuleza ngokukhawuleza kunye nokubethelela kwiibhuleki. Kuthatha i-gesi engaphezulu kwe-20% ukukhawulezisa kwisantya esivamile ukusuka kwindawo epheleleyo kunokuba ivela kwiimitha ezine okanye ezintlanu ngeyure; (4) musa ukuqhuba ngokukhawuleza okanye ngokukhawuleza. Kuthatha i-20% ukuya kwi-30% ngaphezulu kwegesi ukuqhuba nge-70 mph kune-50 mph; (5) ukugcina isantya esiphezulu kwendlela ehamba phambili. Gwema ukubambelela emva kweemoto ezincitshisiweyo apho kufuneka uhlawule ukuya kwizinga lazo uze ukhawuleze udlule. Ubungakanani bemali yokulondoloza: i-$ 390 / yr.
- Musa ukufudumala imoto yakho ngokuyivumela ukuba ingenzi lutho. Injini ivuselela ngokukhawuleza xa iqhubela phambili kunokuba iyenze xa idinga, kwaye i-idling ichitheka malunga nekota yegesi nganye imizuzu eyi-15. Ubungakanani bemali yokugcina: i-$ 90 / yire.
- Gcina i-fuel ngokudibanisa imirhumo kwelinye uhambo kwaye ugweme ukubuyela emva xa kunokwenzeka. Ubungakanani bemali yokulondoloza: i-$ 25-100 / yr.
Inyathelo lesi-5: Indlela yokuGcina imali kwiNtshuwalense yemoto
Inqwelo-mali yomshuwalense ingaba yindleko enkulu yokuba neenqwelo, ngokukodwa xa unembali yokuqhuba imoto engaphantsi kwaye uhlala kwiindawo ezithile. Nazi iindlela ezimbalwa onokuzama ukugcina imali kwezinye ezo ntlawulo ze-inshurensi:
- Buza ummeli wakho we-inshurensi imali enokuyigcina ngayo ngokuphakamisa i-deductible kwi- inshurensi yakho ye- auto-collision . Ngokuqhelekileyo, ukukhulisa i-deductible ukusuka kwi-$ 200 ukuya kwii-500 zamawaka kungakugcina u-10% ukuya kuma-30% kuma-premium. Ukuba unayo irekhodi elifanelekileyo lokuqhuba, ungaphuma phambili. Ubungakanani bemali yokugcina: i-$ 50-225 / yr.
- Qinisekisa ukuba uyazisa inkampani yakho yomshuwalense yonke into ekhuselekileyo eyakufanelekela izaphulelo kwi-inshurensi yemoto okanye umnini-mhlaba, njengamabhanki e-auto-seat okanye iifoksi zomoya emotweni yakho, izicatshulwa zentuthu ekhaya lakho, njl. banokufumana iaphulelo ezongezelelweyo. Ubungakanani bemali yokulondoloza: i-$ 50-100 / yr.
- Ukuba uqhuba imoto endala, cinga ukuyeka ukudibana kunye nokufihla okubanzi (ungayeki ukunika ingxelo). Ukubambisana ngokubambisana kuyadingeka ukuba unemali-mboleko yemoto, kodwa kwiimoto ezindala onakho zikhululekile kwaye zicacile, zilinganise inani lencwadi yemoto (okokuba inkampani yomshuwalense yayikuhlawula ukuba imoto iyonke) ngokumalunga nama-premium akho. Ukuba imoto yakho ingaphezu kweminyaka emihlanu ubudala okanye ixabiso elingaphantsi kwama-R1000, ukugcina ukudibanisa kunye nokunika ingxelo ngokubanzi akunakukufanelekela oko uhlawula kwiiprimiyamu zomshuwalense. Ubungakanani bemali yokugcina: i-$ 100-300 / yr.
- Ngaphambi kokuba uthenge imoto entsha, cela ummeli wakho we-inshurensi ukuba umzekelo owuqwalaselayo uya kufuna umrhumo ophezulu ngenxa yobusela obukhulu, umonakalo okanye ukulungiswa kweendleko. Ubungakanani Bokugcina Imali: $ 50-200 / yr.
- Thengela i-inshorensi . Ukuba ufumana inkonzo enhle evela kwenkampani yakho kwaye ujabule ngeerhafu, ungafuna ukuhlala nabo, ngakumbi ukuba unayo izingozi okanye amathikithi. Kodwa ukuba irekhodi lakho lilungile, jongana ukuze ubone ukuba ungalondoloza bunjani, ke unqume ukuba ukugcina imali kukufanelekile. Ubungakanani Bokugcina Imali: $ 50-200 / yr.
- Cinga ukudibanisa i-inshurensi yakho yemoto kunye nomninikhaya phantsi komgaqo omnye. Abaninzi batshorensi banikela isaphulelo kwimigaqo emininzi. Ubungakanani Bokugcina Imali: $ 50-200 / yr.
- Ukuba unesikolo esiphakamileyo okanye umfundi wekholeji engaphantsi kweminyaka engama-25 ubudala kwindlu yakho, cela malunga nesaphulelo somfundi onomtsalane. Ukuba umfundi wakho ufanelekile, ungasindisa i-25%. Ubungakanani bemali yokulondoloza: i-$ 125 / yr.
- Gwema amathikithi okukhawuleza okanye ukuhambisa ukuphulwa . Iinkampani ezininzi ze-inshorensi zinika isaphulelo ukuya kwi-20% xa ungenayo ingozi okanye ithikithi iminyaka emithathu okanye ngaphezulu. Ubungakanani bemali yokugcina: i-$ 100 / yr okanye ngaphezulu.