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7 Things First-Time Car Buyers Need to Know

7 Things First-Time Car Buyers Need to Know

Congratulations! It is finally time to buy your first car. You are probably excited but also nervous. It can be very stressful to walk into a car dealership and just pick out a car without any assistance. However, you do not need to worry about it. ? We have put together some tips to help you in the car buying process as a first-time car buyer. 1.Have a budget Having a budget and sticking to it will help you narrow down the list of cars you can afford within your price range. To set up a budget, you first need to calculate all your monthly expenses. You then have to categorise your expenses as either need or wants. ? Needs are things such as your rent that you can not do without. Your wants are things such as entertainment that you can do without. Once you have set up a budget, you can now cut back in some areas like eating out daily and instead save towards buying your car. ? It is advisable to keep your car payment below ten per cent of your net pay to avoid falling into debt. However, your monthly payment is not all you need to consider when budgeting for your car. Remember to factor in things such as repair cost, fuel and maintenance. 2. Research broadly With a budget at hand, you can now start researching cars that fit within your budget. Visiting online car marketplaces or local dealerships can help you get a rough estimate of what type of cars you can afford. ? You can use the Cheki True Price tool to compare car prices from different sellers. This tool will prevent you from paying more than the recommended price for a car. Ultimately, this will help you save some money. ? Additionally, you can read car reviews and get a rough idea of what actual car users think about particular cars. This will give you deeper insight on prices, specifications and event expected shortcomings of the car. 3. Explore Your Financing and Purchasing Options Buying a car is very expensive. If you have not saved up enough money to purchase one, you need to consider car financing options available to you. Some car dealerships offer car loans to their customers but their interest may be slightly higher since they have to handle the loan for you. ? If you choose a car loan, you should consider settling for a more affordable car and keep your monthly payments manageable. Remember, a longer repayment period for the car loan will lead to higher interest rates. ? It is wiser, to approach an asset provider such as a bank or Sacco to gather information on financing options before you settle on a loan provider. When applying for a loan, remember that the rates may be different depending on if you are buying a new car or a used car. 4. Consider buying a used car As a first-time car buyer, it may be tempting to buy a brand new car. This is not necessarily a bad thing especially if you can afford it. A brand new car comes with several advantages, amongst them, the new car smell, a warranty and maybe even after-sale services. ? However, first-time car buyers on a budget are advised to buy second-hand cars as they are more affordable. Cars dating back five years offer car buyers similar specifications and infotainment features as brand new cars. Therefore, you should not hesitate to purchase a used car. 5. Get the car inspected Before you pay for a car, particularly a used car, have it inspected by a trusted mechanic. Some car sellers tend to hide issues that the car may have and you are less likely to find out considering it is your first time buying a car. Someone knowledgeable and trustworthy can help you point out issues with the car. ? This will protect you from being scammed while buying a car. The car seller may suggest a mechanic to you but you must use someone whom you trust. If the car seller refuses to consent to a pre-purchase inspection, consider it a red flag. ? 6. Negotiate the car price Even though you already have the budget and financing options set up, try and negotiate the prices. It will not hurt to pay less than the budget you have. The used car market offers a lot of room to car buyers to haggle the prices since the cars do not have set prices from the manufacturers. ? Therefore, before you sign that cheque, try to drive a hard bargain. Use the KUV Price index to closely compare prices of vehicles in the used car market before you make an offer. You can take it a step further and shop towards the end of the month when the salespeople are trying to hit targets and are willing to lower their prices by at least ten per cent. ? 7. Check all the documentations Even though it feels like a tiresome process, you need to counter check the car documents before you buy the car. Ensure the seller has an original logbook and that all service receipts are available. The logbook will identify the real car owner. Do not buy a car that has no logbook just in case the seller is not the rightful owner. ? The service documents will help you find out if the car has ever been involved in an accident. They can also indicate if the car owner takes it in for frequent car maintenance services. If you are not sure about the documents the car should have, have a lawyer verify the documents before you pay for the car. Conclusion As a first-time car buyer, this may be one of the most expensive purchases you have made in a long time. There may be a lot to consider but we believe that these tips can help make your buying process easier. If you budget well, research deeply and plan accordingly, you can negotiate a good deal and drive off with an amazing car. Good luck! The post 7 Things First-Time Car Buyers Need to Know appeared first on Cheki Kenya.

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How to Stay Motivated While Working from Home

How to Stay Motivated While Working from Home

Working remotely came along with its own benefits. Working without the distractions of long commutes, loud co-workers or uncomfortable office furniture. It must have been fun at the beginning. However, as the world adapts to the new norms, it is essential to come up with new ways to stay motivated while working from home. Failing to find the motivation to work leads to low productivity, especially if unchecked. The likelihood of procrastination is also high as little or no supervision takes place. This is why an individual must ascertain that they are able to work as efficiently at home as they can at the office. Here are a few tips to stay motivated while working from home: 1. Create a Schedule It gets easier to make to-do lists and checking them off when complete. This gives a sense of productivity all through the day. With a daily routine, one gets an organized and up-to date work structure that ensures work is completed within acceptable timeframes. If your work begins at 9.00 am, have a work plan that allows you to complete all ancillary tasks before then. Make sure any pending tasks are pushed into the various breaks you set up for yourself within the day. While some people believe in the art of multitasking, staying efficient with different running tasks is not for everyone, learn your strengths. 2. Have a Work Space It is easier to roll out of bed and pick your laptop to begin the day. As laidback as this seems, it is recommended to have a designated work station. This ensures that a balance is created between work and personal life, building up the necessary motivation to keep going. Working where you sleep can affect your sleep schedules, and ultimately your productivity. If the situation allows, create a designated work space to stay motivated while working from home. 3. Minimize Social Media Use The joys of working from home, among other things, include the ability to constantly be in reach your phone, TV and gaming stations. If you want to stay motivated while working from home, learning when to stop the distractions is essential. If you have to, disable the notifications until your break time, it helps put more focus into the work ahead. It is not about the constant breaks you take to read and reply to the chats, but it draws your concentration off work every time you get that notification. 4. Plan for your Personal Time It is easy to get groped into work and forget occasional breaks. While coming up with daily routines around working remotely, ensure that you have some personal time off work. Just like you would in the office, take occasional breaks to get food, exercise or read. This makes it easier to stay motivated as your mind finds comfort away from work. 5. Invest in Yourself With the new norm, it has been easier to find time to get online, whether for work or personal pleasure. While working home, there is more time to check out ways to improve yourself. A lot of online courses have been made available for employees or jobseekers across the world. A good way to stay motivated while working from home can involve enrolling into new courses to challenge your mind. As there is more time saved from commuting from work to the office, the extra hours can be used for personal growth. In conclusion, so much can be done to stay motivated while working from home. As long as an individual is ready to take on the constant challenges that arise with the changing trends, they can stay alert and productive. If your colleagues or friends are finding it hard to stay motivated, don't forget to share these tips with them! The post How to Stay Motivated While Working from Home appeared first on BrighterMonday Kenya.
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