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August 02, 2014 08:05

Owning a car is the prime most dream that everyone sees, but it's very difficult to fulfill it. In today's time, you can buy a car in as little as a few lakh rupees, but if you go on a higher limit, then things become slightly difficult. It's not possible for everyone to own a BMW or Jaguar, but still there are people who even own more than one of these cars. How is it possible for them? Well, because they know their car budget better than anyone else.

Just like any other budget i.e. house budget, monthly budget, and budget for the organization, car budget is also important for a person. So what exactly do you mean by car budget? In simple words, it is the total that one can contribute towards buying or upgrade his car. It is calculated on the basis of total earnings and expenses that one may occur on a daily basis. It means that for a person who earns crores of rupees on a monthly basis, definition of affordable car can be a Jaguar or BMW or Bentley, but for a person who merely earns around a lakh rupees per month, affordable car can be just a Honda City or any other car in the same range. For every person, the definition of affordable car is different.

Sometimes it can be difficult for you to decide as what budget one must consider while car buying. In such confusing situation, you should take help of a car affordability calculator or a car budget guide, which is easily available with any good car dealers. You may be earning a few lakh rupees per month and think that you can afford an expensive car, but please note that your expenses on a monthly basis pay a lot more important role during the preparation of car budget than that of your earnings.

So whenever you think of car buying, give importance to your monthly expenses and then analyze as how much can you afford. If you are not able to take a decision yourself, then ask any of your friends or relatives who has done something like that before. If you are not able to find any such person, then take the help of any expert at the time of car buying. These day's auto companies provide such services; hence, you should not be worried about your budget allocation.

So please make sure that you do your homework before taking any final call on car buying, it will not only save your time, but also your money and efforts.

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