Initially, it is worth understanding how you use or are going to use the car. The average person uses personal or to get to work in the morning and return home in the evening.

Another use of a car is a long-distance trip to visit relatives, friends, or just a tourist trip to some city or place.

Based on this, we will not consider in this article those cases when a person has to use a car all day for work.

Alternative to the car

An alternative to a private car can be public transport, a friend or acquaintance with his car and taxi. Let's consider each of these options in more detail.

Most of our readers do not live in Europe. This means that public transport in our countries leaves much to be desired. There is no working timetable for when to arrive desired bus, constant crush, dirt and rudeness. But a big plus is the fare. In Russia, Ukraine and other countries of the former USSR, the fare is 10 times lower than, for example, in Germany.

A friend with his car - this great option... But only if you are on the road and your schedules coincide. If you don't have such a friend, then there are many services at your service that allow you to find a travel companion that suits you for a reasonable fee. Sometimes it's even free if the car owner is looking for a company with which it will be more fun to get to work. In any case, the fare is less than the cost of a taxi, but more expensive than public transport.

And the last option is taxi... In terms of comfort, it is comparable to the option of a fellow traveler, but at a price it significantly exceeds it. Sometimes even two or three times. Fortunately, there is competition, and taxi prices are lower than they could be.

Let's calculate the costs

How much does it cost to own a car? On average, 9 liters of fuel per 100 km. There is also a moment of car depreciation. The calculation of depreciation is a very controversial point, but if you are calculating not for the company, but for yourself, then it is customary to double the cost of fuel.

Russians will have to pay 300 rubles for 9 liters of fuel, Ukrainians - 200 hryvnias. Total expenses without force majeure situations, taking into account depreciation, are equal to 600 rubles and 400 hryvnia per 100 km for Russia and Ukraine, respectively.

How much does a taxi cost? From Red Square to Mytishchi (distance - 30 km) you can leave for about 500 rubles. That is, it will come out about three times more expensive than if we used a private car. In Kiev, for 25 km, you will have to pay about 110 hryvnia, which is approximately equal to the cost of using personal car.

Public transport and the option of a fellow traveler may not be considered due to clearly more low prices for travel.

What everyone forgets about

So far, it turns out that having a car in Russia is 100% more profitable than using a taxi for travel. As for Ukraine, the costs will be about the same. But everyone forgets about the extra car costs and the hidden problems of vehicle ownership:

1. You need to think about parking. Residents of megalopolises know firsthand that parking a car in a city is a big and often insoluble problem. Plus, you often need to pay for a parking space. And a lot of money: in Moscow, the average cost of parking per hour is 40 rubles.
2. You need to think about where to park your car at night. Not all of us have a personal garage or parking where we can leave our car and not worry that it will be spoiled or stolen. And even for parking you have to pay.
3. The car tends to break down. At any time, you can catch a hole in the road, and you will have to pay a rather large sum, for example, for new disc... And it will be one of the cheapest repairs for your car. It could be much worse. You can fly fuel system, suspension or even engine.

conclusions

If you need a car solely to get to and from work, then you should think 10 times whether it is worth buying. Car ownership is a very expensive undertaking and is also a big headache... For long journeys, you can use buses, trains, airplanes and other vehicles. As a last resort, you can rent a car.

Good development of taxi services and healthy competition have created very favorable conditions for those who can afford a car, but know how to count money.

Using a taxi is minus high costs, minus worries about parking, minus wasted nerves due to traffic jams and various traffic situations.

There is also a psychological aspect here. After all, if you need to get to a nearby metro station, then most likely you will not call a taxi, but use public transport. Or go on foot at all, which will have a beneficial effect on your health.

Do you still want to buy a car?

When I had a car, I never thought about how much it cost me. The car was constantly pulling money: gasoline, parking, rubber replacement, insurance, repairs. At some point, I counted all this and realized that it would be cheaper for me to ride on public transport and a taxi.

A private car is beneficial if you need to travel a lot and far on a regular basis. It will be beneficial if you live outside the city or in remote areas of Moscow, and every day you have to wander around the city. But if your trips are irregular or if you live in a small town, then a private car is more expensive than a taxi! Yes, in small towns where taxis are cheap and the distances are short, there is no need to own a private car at all. you can easily do without a car by taking a taxi every day, and it will be more profitable!

It is clear that all my calculations are very arbitrary! Each person has his own routes, his own expenses. I tried to imagine and calculate several standard scenarios.

I will immediately answer some questions:

Yeah, will you take a taxi to the dacha too?
- It all depends on where the dacha is. My dacha is located 100 km from the center of Moscow, near Klin, a taxi trip there will cost about 2,000 rubles. In addition, for 2000 rubles a day you can rent a car-sharing car (Delimobil, Belka). Theoretically, you can find a driver and negotiate individually. It will still be cheaper than driving your own car.

But a car is freedom!
- In fact, this is an illusion of freedom. The car is a constant headache. Where to store? Where to put if you are leaving for a long time? You are tied to a parking spot. The routes are more convenient without a personal car. For example, if there is a traffic jam, you jumped into the subway, drove a couple of stations, got off, took a taxi and drove on. Etc.

In Moscow, the best-selling models in 2016 were Hyundai solaris and Kia rio... In Russia as a whole, they are joined by Lada granta... The first two models without discounts and promotions cost 650,000 - 700,000 rubles, Lada Granta - on average 400,000 - 450,000 rubles.

So, now we will calculate how much it costs to own an ordinary (that is, inexpensive) car for a Muscovite and for a non-Muscovite!

Let's imagine that we have a Muscovite who lives in the north-east of Moscow and drives a 2016 Solaris. He has a model with an automatic transmission and a 1.6 liter engine, which consumes 9.3 liters per 100 km in the urban cycle. Need gasoline with octane number not lower than 92nd. Let's say our driver chooses average quality fuel, AI-95. In Moscow today it costs more than 39 rubles almost everywhere.

Our Muscovite lives in the area of \u200b\u200bTorfyanka Park, in house 1 on Magadanskaya Street, and he works somewhere on Sukharevka, say, in Daev Lane. It is 14 kilometers one way. Agree, not the greatest distance for Moscow.

He makes at least 28 km a day. Taking into account all trips on other matters, attempts to bypass traffic jams, arrivals to shops, cafes, etc. this distance easily grows to 40 km per day, and this is the minimum. On Sunday, our Muscovite is at home all day (0 km), and on Saturday or Friday evening he goes to the dacha / out of town / to the outskirts for food. So let the car drive 60 km over the weekend. In total, we get 260 km per week.

We have 52 weeks a year, that is, the car's mileage will already be 13,520 km. This is 135.2 times 100 km. Thus, a car in the urban cycle will eat at least 135.2 * 9.3 \u003d 1257 liters of gasoline per year. It will cost the car owner 49,000 rubles.

Now to other items of expenditure.

In 2016, Moscow earned more than 17.5 billion rubles from parking lots and fines. In total, about 5.6 million cars are registered in the capital. This means that the average motorist in the capital spends about 31,250 rubles a year on parking and fines. Let's round up to 30 thousand.

Transport tax on his 123 hp Solaris. will be 3075 rubles... The CTP policy will cost him at least 10,000 rubles in year.

Depreciation. "Solaris" of the same generation, but 2014 release now costs less than 500 thousand rubles. That is, in three years the car has dropped in price by 200 thousand, let it be 65 000 in year.

Since the car is new, the cost of a technical inspection and a new kit summer tires can be neglected. But you still have to buy winter tires, this is at least 12,000 rubles. After a maximum of three years of use, it will have to be changed, that is, in a year it 4000 rubles.

Tire fitting (2 times a year) and tire repair in case of a puncture will cost 5000 rubles in year. Added to this is the cost of the car wash. A complex car wash in Moscow costs from 1000 rubles, that is, it will take at least a year 12,000 rubles.

Maintenance Hyundai Solaris 2016 costs 8730 rubles. for the first year, 12 437 p. for the second and 8 730 p. for the third. On average, about 10,000 rubles in year.

Accidents, breakdowns, traffic jams (and excessive fuel consumption), as well as inexpensive consumables such as oil and anti-freeze, we do not take into account (and it is difficult to calculate). Only the bare minimum.

The minimum cost of owning a budget car in Moscow (rubles per year):

65,000 - depreciation;
49,000 - gasoline;
30,000 - parking lots and fines;
12,000 - car wash;
10,000 - OSAGO (for a year);
10,000 - maintenance;
5000 - "overfitting" of tires;
4000 – winter tires;
3000 - tax;

Total: 188,000 rubles.

It turns out that the owner of a new economy-class car that does not get into an accident, does not break down, does not violate and almost does not stand in traffic jams, spends at least 188,000 rubles a year on it in Moscow, or more than 15,000 a month. In fact, the annual amount will most likely tend to 200 000 .

By the way, paid parking immediately dramatically increases the cost of car ownership. Parking at the place of work of our hypothetical Muscovite, on Daev Lane, would cost him at least 760 rubles a day. This is 3800 rubles. a week or almost 200 thousand a year! But here you can be sure that our driver will either park in some yard, or simply cover the number with a piece of paper and significantly save on it.

Now imagine that this same driver spends money not on a car, but on public transport and taxis.

Even if he takes a taxi to and from work every day, it will take him 4000-5000 rubles a week, that is, about 208,000 - 260,000 rubles... An annual single travel pass would cost him 18,200 rubles. If he took a taxi from home to the metro, it would cost him 250 rubles a day, or 1,250 a week, 65,000 a year. We add up with the price of a metro pass and we get 83,200 rubles... Can be rounded up to 100,000 when you factor in the unexpected taxi costs. You could even add another 20,000 for a taxi on the weekend. We get 120 000 , and still it will be one and a half times cheaper than owning an economy class car.

Moscow car sharing costs 8 rubles per minute. To get from Magadanskaya 1 to Daev lane, you need to spend 40 minutes in traffic jams or 23 minutes without traffic jams. Let's take the average, that's 32 minutes. A trip by car-sharing car will cost 256 rubles. This, by the way, is much cheaper than taking a taxi. Our driver will spend 512 rubles per day, and 2560 per week for commuting to work. Costs for car sharing per year will be 133,000 rubles.

It is not advisable to use car sharing for other types of trips, because traffic jams in Moscow are quite unpredictable. In addition, there is an obvious problem: there may simply not be a car-sharing car near the house. We compensate for these disadvantages with the help of additional taxi costs - a total of about 160 000 .

Consider the following cars price category - cars worth around 1 million rubles. In the Top 25 in sales for 2016 in Russia, this bar is approached Skoda Octavia and Nissan Qashqai.

Let's take an average Skoda with a gun and gasoline engine volume of 1.4 liters and 150 hp. (1,177,000 rubles) or a simple "Nissan" with a continuously variable variator and an engine capacity of 1.2 liters and 115 hp. (1,123,000 rubles). The first fuel consumption in the urban cycle will be 6.9 liters per 100 km, the second - 9.2 liters.

Obviously, they will eat less gasoline. If they cover the same distance as the Solaris driver (13,520 km per year), the owner of the Skoda will spend about 36,000 rubles a year on fuel, and the Nissan - 48,500. Let's round up to 40 000 .

A similar Nissan Qashqai 2014 will cost about 950,000 rubles. In three years, the car will lose 173,000 rubles in price, this 58,000 per year... At Skoda, the difference between a new car and a three-year car is much larger, this is due to the recent price increase. Rounding off annual depreciation to 60 000 .

Since the car costs more than a million, the driver will most likely prefer to add "Casco" to the MTPL. Such insurance will cost 43,000 rubles. Transport tax on Skoda will be higher due to more powerful engine (5250 rubles against 2850 rubles). Let the average be 4000.

Maintenance "Nissan" will cost 8600 rubles. for the first and third years and 18,700 rubles. for the second, on average comes out about 12 000 in year.

The minimum cost of owning a car at a price of 1 million rubles in Moscow (rubles per year):

60,000 - depreciation;
43,000 - "Casco" + OSAGO (for a year);
40,000 - gasoline;
30,000 - parking lots and fines;
12,000 - maintenance;
12,000 - car wash;
5000 - "overfitting" of tires;
4000 - winter tires;
4000 - tax;

Total: 210,000 rubles.

Of cars of an even higher price category, the Top 25 in sales include Toyota Camry and Toyota RAV4. They cost from 1.5 million rubles in a simple configuration.

Take, for example, a Camry with a 2.0-liter engine (150 hp) and a 6-speed automatic transmission. It will cost 1,557,000 rubles. Fuel consumption in the urban cycle is 10 liters per 100 km.

Here 53 000 will go only for gasoline, insurance "Casco" + OSAGO and tax - another 37,000, plus maintenance in the region of 10,000. The most expensive car in 2014 similar configuration costs 1,200,000 rubles. That is, depreciation will be more than 100,000 rubles in year!

The minimum cost of owning a car at a price of 1.5 million rubles in Moscow (rubles per year):

100,000 - depreciation;
53,000 - gasoline;
32,000 - "Casco" + OSAGO;
30,000 - parking lots and fines;
12,000 - car wash;
10,000 - maintenance;
5000 - "overfitting" of tires;
5000 - tax;
4000 - winter tires;

Total: 251,000 rubles.

It is difficult to calculate everything with more expensive cars, there too much depends on the equipment. Usually, people who buy cars more expensive than 2 million do not skimp on gasoline and so on (unless they modestly hang the number on a paid parking lot with a piece of paper), and we are talking about saving.

But we can assume that when buying expensive car harder to guess with depreciation. Most likely, most of the annual costs will fall on this column (unless it is luxury car limited edition, which will only get more expensive over time).

What do we get in the end? As you can see from the infographics, you can save a lot even if you drive around Moscow only in carsharing cars and taxis. If you combine taxi and car sharing with public transport, it turns out even cheaper. In Moscow, there is some sense in buying a budget car, but only if you drive along strictly set routes all the time. The slightest deviation from the norm - and you start to overpay.

Now let's look at an example of a driver in our beloved Tula!

He decided to save a little on the car, so he will not drive a "Korean", but pride domestic auto industry, Lada Granta in medium configuration and with a gun. Such a car now costs about 500,000 rubles. Fuel consumption in the urban cycle - 9.9 liters, gasoline - not less than 95th.

To somehow justify owning a car in a city like Tula, let's imagine that our driver lives somewhere on the outskirts, but works in the center. Let's say he needs to travel from house number 13 along Pushkin Street in the village of Kosaya Gora to Pushkinskaya Street, but already in Tula itself. It is 10 kilometers.

It turns out 20 km a day to work and back, add to this 5 km for other needs. On weekends, the car drives around in the same way as a Muscovite: one day it rests, the next makes a double distance (50 km). In total, the car drives 175 km per week.

The mileage will be 9100 km per year. This will take 900 liters of gasoline at a price of 39 rubles / liter (fuel prices in Moscow and Tula are almost the same), in total you will have to spend 35 100 rubles.

Now for amortization. Lada Granta with automatic transmission 2014 costs an average of 330,000 rubles. For three years the car has lost 170,000 rubles in price. Even if you drop to 160 thousand, the depreciation will be at least 55,000 per year.

If we assume that we are dealing with a conscientious driver who spends as much as 80 rubles a day on paid parking in Tula, this is an additional 20,800 rubles a year. But we cannot yet take them into account, because no one pays for parking in Tula) Let's say that a Tula spends in total on fines and parking 10,000 rubles in year.

OSAGO will cost 7500 rubles, winter tires - in the same 12 thousand (or 4000 per year), transport tax will be 2700 rubles... Re-shoeing tires 2 times a year - 4 thousand more.

Car wash - about 600 rubles per month, at least a year 7200 .

Lada Granta costs 3700 rubles. for the first year of operation, 4900 p. for the second and 3700 for the third. Average - 4100 per year.

The minimum cost of owning a budget car in Tula (rubles per year):

55,000 - depreciation;
35,000 - gasoline;
10,000 - parking lots and fines;
7500 - OSAGO (for a year);
7200 - car wash;
4100 - maintenance;
4000 - "overfitting" of tires;
4000 - winter tires;
2700 - tax;

Total: 133,500 rubles.

In total, our Tula will spend about 133,000 rubles on a car for each first three years of ownership, and subsequently the cost of ownership will only grow rapidly. In fact, the annual costs will be about 150,000.

A taxi ride from Pushkin 13 to Pushkinskaya 13 costs 160 rubles one way, or 320 rubles a day. it 83,200 rubles in year. That is, even if our Tula is chic and takes a taxi to work every day, it will still be cheaper than owning a budget car. Taking into account the taxi costs on the weekend, you can round up to 100 000 ... But why then do you need the hassle of insurance, technical inspections, changing shoes, traffic jams, finding a parking lot and everything else, if you can just always take a taxi and spend only money, not money, along with nerves and time? And at the same time save up to 50,000 rubles a year.

And also our driver could get from the place of residence to the place of work on the 28th bus and spend 30 rubles a day on this with a pass, or 7800 rubles in year.

What kind of freedom are you talking about? A car is just an extra expense and a headache, that's all.

It turns out that in a city like Tula, a car is not needed at all. In Moscow, it makes sense to take budget car for regular long-distance travel, but you will pay extra for it with every wrong turn and every day it gets older.

If we look at other cities, it turns out that the smaller the city, the greater the gap between the cost of owning your car and the annual taxi "subscription". It turns out that a car is really a luxury. Even if you drive carefully, do not spend money on repairs and do not incur any additional costs, the slightest mistake will instantly increase the cost of using it. A fine, an accident, a hole in the road - and you will not meet the minimum.

So in our cities, public transport in combination with a taxi and (for Moscow and St. Petersburg) car sharing can easily replace a private car.

Calculate how much you spend on a car per year and compare that to how much you would spend on taxis and public transport! Tell us in the comments what happened.

Nowadays, the speed of movement plays a decisive role in many issues. If you and I go on foot in all our affairs, authorities and shops, then we, of course, will have a strong trained heart and legs. But, I'm embarrassed to ask, how much will we not be able to do in an average day? Of course, in large cities where the public transport system is developed, this problem is not so acute, but I am speaking on behalf of small cities in Russia.

For the speed of movement and transportation of goods, there are many diverse and even exotic ways, however, people who love independence and freedom of movement prefer to have their own transport. Ideally, a car. We will talk about it below.

For many citizens, having a car under the windows of an apartment or in the courtyard of a private house has become no longer an indicator of status, for those times have passed, but a vital necessity.

Having your own iron horse unties your hands and makes it possible for a modern person to become mobile and, as a result, more competitive. You have more time to redo important matters, you can go to a hypermarket or a wholesale warehouse and stock up on food there for a month. favorable pricesaving some amount of money. You can go where you need to, at the very time when you need it.

The author of this article, for example, used to experience tremendous inconvenience when he had to adjust to the schedule. commuter busto get to a neighboring city, and from there take a taxi altogether. With the advent of several horse power this problem disappeared, it turned out that in fact there is much more free time.

Again, family trips to relatives. A rough example: a family of four travels 30 kilometers to their relatives. The cost of a bus ticket is 50 rubles. We have expenses of 200 rubles one way. Plus a minibus from the bus station costs 10 rubles * 4 \u003d 40 rubles. Taxi 50 rubles. Let's count 50. In total, it turns out that a trip to only one end will cost 250 wooden ones. Plus the same amount back. Only 500. An old Zhiguli will spend about 200 rubles for the same trip of gasoline, in terms of domestic currency. And how many more pickles and jams you can bring with you to dear grandparents! Or who do you have there? In any case, money cannot measure the warmth from meeting loved ones.

There is one more point that carries both negative and positive properties. This is a car breakdown. You shouldn't have any problems with a new car, but if your swallow has seen a lot in its life, get ready to shell out, and with stubborn constancy.

It can be anything from replacing the battery (2-3 thousand rubles) to overhaul engine (7-15 thousand). And between them the replacement of the burnt-out muffler was worn out, transmission oil, repair brake system with the replacement of its components and a lot of other interesting things for a "real man".

Frankly speaking, buying an old six, I killed two birds with one stone: I got that very happy opportunity to become much more mobile and a living visual aid for studying the device of the car (since before that there was a complete zero in this matter). I must say that the swallow honestly did her job, ruffling a lot of her nerves, she made her understand, finally, what is the meaning of life.

Again, Zhiguli, frets, Muscovites and Volga, not to mention foreign copies, have long become indispensable helpers and a source of income for many of our compatriots. These are workhorses who carry potatoes, cucumbers and tomatoes grown in their own fields and gardens to the market, carry Chinese consumer goods from wholesale markets, work in taxis, help transport tools to self-employed finishers, plumbers and workers of other specialties. For many families, their car has become almost synonymous with life.

Going over in my head all the pros and cons of owning a car, I understand that, despite all the costs and troubles, the scales still outweigh the arguments FOR the profitability of owning a car, especially in small cities of Russia.

I recently got a license. Automotive.

Today I went to the city on one petty but important business.

Thoughts appeared along the way. And then the toad seized me.

Let's say that I live in Plemka, let's say that I'm a projectionist at the Lena cinema. Let's say that my salary is 50 tr. and once again let's say that I have an old, but well-groomed and economical Toyota Corolla 94 onwards.

Let my "korolka" gobble up an average of about 15 liters per 100 km.

Let's calculate and compare my transportation costs before and after obtaining a car license.

So the math is extremely simple:

100 km \u003d 15 liters \u003d 15 l x 45 r / l \u003d 675 R.

1 km of the way on my "Corolla" costs 6.75 rubles... Let it be 7 rubles, with our traffic jams.

Since I work at Lena and live at Plemka, every day I drive bus route about 20 km, one way. It costs me 18 rubles.

Now I have a car - and it costs 20 km x 7 r / km \u003d 140 rubles one way.

Then I drive back in the evening - it costs 18 rubles by bus. By own car - 140 rubles again.

Let's say that I still have a child, I need it in kindergarten in the morning. There is also a second one - it is necessary to go to school.

My wife works in the city. She also needs to be taken.

This means that a day I spend at least 500 rubles on gasoline.

A month comes out 500 rubles. x 30 days \u003d 15 tr.

Now the indriver. Let's say that my hourly pay is 600 rubles. in hour. Let's say that I'm driving without a break.

In the city, the average speed of the car is 40 km / h.

40 km x 7 r / km \u003d 280 rubles.

My profit is an hour of driving an indriver \u003d 600 - 280 \u003d 320 rubles.

Let's say that I have 5 such hours per day \u003d 5 hours x 320 rubles. \u003d 1600 p.

Net profit per month (excluding benzaine) 1600 x 30 days \u003d 48 tr.

But, damn it, for this "indriver", I have to plow for 5 hours every day and "ruin" my Corolla.

At the same time, earning less than a projectionist.

And this is also not considering depreciation for the car.

I'd rather be a projectionist on "Lena" and I will "go" by bus every day)))

Why do I need my own car in this job?

And the wife and children - what about them?

There is only one conclusion - in order to drive your car, you need this car to work out its money, and it does it well.

Second, to have a wife and children, to have a car, you have to work and earn a lot more than an ordinary projectionist)))

One more conclusion turns out.

The city benefits(including Yakutsk) to ordinary citizen used everywhere and everywhere public transport. The benefits are huge, see for yourself:

Fewer cars - less wear and tear of roads. Fewer accidents. Then part of the money allocated for road repairs can be spent on purchasing good municipal buses.

To stimulate this, you can reduce the fare on this bus to 10 rubles. And everyone will ride municipalities, and the mayor rub their hands - and the sheep are happy, and only the municipal wolves are left)))

No private routes \u003d)

Cars began to play an important role in our life. Many of us cannot imagine how we can do without a car. They have become a way of life for us and irreplaceable helpers in everyday life. But is it?

We all enjoy the freedom that cars give us. But their price in the car market and carry a significant burden on the family budget. However, not all of us, in the event of a heavy load on our wallet, can refuse to use a car. For most, this seems like a disaster.

Many people cannot even imagine how they will live without a car. We invite you to find out how you can do without a car and what advantages appear if you decide to refuse it.

This is an attractive idea. But in some cities around the world, people are ready to give up all the cars they own. By giving up car ownership, here's what we save on:

- The fall in the market price from the original value. Even if you don’t pay off a car loan (for which any buyer usually overpays a significant amount), immediately after buying a new car, you start to lose money due to the falling market price of the car. As soon as you left the car dealership, the car loses 25,000-50,000 rubles of its value. If you bought new car on credit, then your losses become even more significant.

- Loan interest. The longer the loan term, the more you overpay for the car due to interest. At first glance, the overpayment may seem small (when looking at the monthly payment). But if the loan term is more than two years, then the loan overpayment can be more than 50 percent of the cost of a new car. Taking into account natural depreciation, falling market prices and loan overpayments, you can lose up to 70 percent of the value of a new car in just a few years.

- Maintenance and repair. Any car requires regular maintenance... For example, you constantly need to change the oil in the engine, in the box, change the tires and various filters. Even if the mileage of the car does not exceed 20,000 km per year, your annual expenses on car maintenance can be large. If your vehicle is not new, then add the costs of maintenance... Remember: the older the car, the more you will spend on repairs.

- Fuel. No matter how hard you try to save money on car ownership, you will not be able to profit from fuel. It is noteworthy that you will not be able to predict your annual fuel costs in advance due to the increase in fuel costs. Also, you will not be able to know exactly how much fuel you will spend, since fuel consumption depends on many factors on the road.

- Insurance. Most of us have a car insurance policy (CASCO) that protects our property from damage. Especially if we own a new car. CASCO is the main expense when owning a vehicle. Of course, many of us can refuse to buy such a policy. But if you took a car on a loan, then the banking organization probably forced you to buy a CASCO policy. In this case, you cannot refuse property insurance. And since in our country the majority buys cars on credit, we can conclude that 60-70 percent of drivers annually spend a lot of money on CASCO.

All of the above expenses when owning any car can convince many that by abandoning it, you can save significant cash... Remember that vehicle ownership is the second most significant spending money after buying or renting a home. By giving up a car, you save a lot of money that goes into the "pit".

Alternative to the car

Let's consider a hypothetical scenario in which you don't own a car. What do you think, what are your options for getting around the settlement in which you live? In fact, there are many of them. We offer you a description of the most common transportation options in the village, if you do not own a car.

Public transport

In some cities, it is much more convenient to use public transport for movement than a car, on which, in order to get somewhere, you need to stand for hours in many kilometers of traffic jams. Unfortunately, public transport is not well developed everywhere. Typically on normal level public transportation are found only in large cities.

What is most important when traveling by public transport? Of course, this is the cost of travel by bus, train, metro, tram, trolleybus or taxi. In our country, each city has a different tariff policy, but in any case, using this type of transport is much more profitable, from the financial point of view, than a car.

Thus, according to a study by an international company, in Moscow and St. Petersburg, people who refused to travel to work by car in favor of public transport were able to save about 195,000 rubles per year, or about 16,250 per month.

Of course, this study included only those drivers who could completely give up car ownership and who lived in areas where public transport is well developed. Therefore, if you live where public transport is not developed, you will not be able to save significant money by abandoning the car in its favor.

But in this case too. For example, if you do not live near a developed public transport network, but do not want to stand for hours in large traffic jams, wasting time and spending a lot of money on fuel, then, going to work, you can drive your car to the nearest stop or station where it stops public transport to transfer to it.

When is it beneficial:

- Daily commuting. If you travel a sufficient distance to and from work every day, then it will be more profitable to use public transport.

- If you are traveling light. If your trips are not related to the transportation of various goods (suitcases, backpacks, skis, etc.), then public transport is great for you.

Taxi

If you think that the cost of taxi services in the city is much more expensive than traveling by car, then this is not the case. Having paid the taxi driver for the trip, you don't think about taxes, insurance and much more. In addition, taxi drivers often have the opportunity to refuel much cheaper than you. As a result, this allows them to set attractive fares. If you don’t need daily commutes, then taking a taxi can be more profitable than keeping your car.

When is it beneficial:

If you only need to travel a few times a week, or need to travel short distances, then in many cases it is more practical to call a taxi.

If you are going to a place where the parking situation is difficult or the cost of parking is very high, then it is more profitable to take a taxi. For example, if you are flying on an airplane on vacation or on a business trip. After all, if you drive your car, then, most likely, parking at the airport can result in a large sum.

Car rental

Another option as an alternative to your car is to rent a car if necessary. Yes, of course, the rates of companies that provide cars for rent are not small. But in many cases, renting a car is much more profitable than owning your own car, especially if your trips are less frequent. Renting a car is an excellent solution if you are going out of town with your family for a picnic, etc. After all, in any case, you will have things that will not be easy to travel with in public transport.

When is it beneficial:

If you are going on a long-distance trip and intend to take luggage with you, it will be more profitable to rent a car.

If you go to a settlement where the public transport system is not developed.

Cycling and walking

We all know that in addition to transport, we can walk for certain distances. If you do not live in a large settlement, then you probably often walk to the store, in medical institutions etc. Also, many of us use bicycles to get to the desired destination.

Unfortunately in last years a dangerous tendency has emerged when people refuse to walk even for short distances, preferring to use a car. This leads to health problems, because, in this way, we deprive ourselves of the possibility of physical activity. After all, we have, in fact, a sedentary lifestyle. At work, we sit on a chair, at home we sit or lie on the bed. Therefore, a sedentary lifestyle leads to the development of various diseases.

Many of us do not have the physical ability to walk or cycle for long periods. Alternatively, you can use electric bicycles or mopeds in this case. It is worth noting that many electric bicycles offer traditional pedaling capabilities. But if you are tired or do not want to go uphill, straining, you can turn on the electric motor, which will help you easily overcome the difficult section.

When and why is it beneficial:

- Short distance travel. If you need to travel short distances, then a bicycle can be an excellent assistant as a main vehicle for movement.

- Zero travel cost. Walking or cycling is not a financial expense. Here you spend only physical effort with benefits for your own health. True, you will not be able to walk or ride long distances, but, nevertheless, if your movements are associated with short distances, then in the summer it is better to abandon the car in favor of walking or in favor of a bicycle.

Three steps to decide

Whether you should give up a second car or give up completely car ownership is a difficult question, and the answer may be different for each of us. After all, there are too many secondary reasons that affect whether it makes sense to refuse to use your vehicle.

In order for you to answer this question faster, we have highlighted the factors that you must determine for yourself in order to decide whether to own your car or not:

1. Define for yourself the three main expenses for owning a car, add another 30,000 rubles to the amount received and divide by 12 ... Determine the most significant basic costs associated with operating a car. Sum up all expenses for the year according to these three criteria. Add 30,000 rubles for unforeseen expenses (repairs, etc.). Divide everything by 12 months.