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Life hack: how to save up for a car
Miscellaneous / / November 18, 2021
Your own car is a new level of freedom and comfort. We will tell you how to save up for it without changing your usual way of life.
Determine how much money you need. To do this, make a list of the models that you like and check the prices for such cars on salon websites and in free classifieds services.
Think about how long you want to save up for a car. It depends on how much effort you have to put in. Write down the term in months and divide the amount you need by their number - it will be easier to plan this way.
Optimize shipping costs. Buy a public transport pass, or use your bike or walk for short journeys in dry weather. Limit taxi rides.
Think about what you can give up. You can take coffee with you not in a coffee shop, but from home in a thermo-cup, and dine not with a salad from a restaurant, but with a homemade snack from a lunch box. Training in open areas in the park is free, in contrast to the sports club. And instead of going to the cinema, you can subscribe to an online service - the amount for a year is comparable to the price of a couple of tickets.
Top up your moneybox for a car monthly. Send there the sums saved on travel, coffee, lunch, workouts and movies, as well as a certain percentage of income.
If you already have a car, make money with it to change your car. Register with taxi aggregators or travel companion search services as a driver. Take multiple trips daily - before and after work or during your free time.
Save up for a new car faster will help Road map from RGS Bank. You can postpone the increased cashback: the bank returns 5% for purchases in car categories and 4% - from payment at gas stations, in restaurants and entertainment centers, and for all other purchases from 300 rubles - 0,5%. In addition, you can get a cash loan on the Road Card - this will help you buy a dream car faster.
The first three months the option "Test Drive" with free service is available cards. After that, you will not have to pay for services if you spend from 10 thousand rubles a month, took out a loan or keep from 50 thousand rubles in accounts with RGS Bank. And you can withdraw cash and replenish accounts without commissions at ATMs of your own network and from partners.
Order Roadmap
Debit card "Road card". Increased cashback 5% in the "Auto" category - auto parts and accessories, road and bridge fees, duties, car rental, car services, car washes, tire fitting (МСС 4784, 5533, 7512, 7523, 7534, 7538, 7542) when paying via Mir Pay, Apple Pay, Samsung Pay, Google Pay (hereinafter - Payment services) or in online stores, in other cases - 4%. Increased cashback 4% in the categories of gas stations - automated petrol stations, fuel (MCC 5541, 5542, 5983), "Food" - restaurants (MCC 5811, 5812) and "Entertainment" - amusement parks, buying tickets to theaters, cinemas, concerts (МСС 7832, 7922,7996) when paying through Payment services or in online stores, in other cases — 3%. Cashback 0.5% - for all other operations, except for exceptions. The maximum monthly amount of cashback payments is 3,000 rubles per month. The limit in each category: "Auto" - 1,000 rubles, "Gas station", "Restaurants", "Entertainment" - 1,000 rubles, in the basic category - 1,000 rubles. To accrue cashback min. transaction amount - RUB 300, min. monthly trade turnover - 5,000 rubles. Specify the region and the possibility of courier delivery by phone 8 (800) 700-11-99. Information is given as of 01.03.2021.
PJSC "RGS Bank". Gene. persons. Bank of Russia No. 3073. G
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