Did I ever tell you about the time that I went out and bought myself a Mercedes Benz?! 🤗🤗🤗 Seriously I probably didn’t because I know you don’t care! Lol
I absolutely hate when people discreetly place their luxury cars on their Instagram timeline. 😑 Just go ahead and post the car and say you’re about to stunt on everybody and everything that ever dissed you for the next 365 days straight! 😂😂
I’m in love with my new car, but at the end of the day a car is a car. Mine just so happens to be fancy! Lol. It has taken me almost a year to let it all sink in. I think the biggest part was being able to reach a goal that I created that seemed so far-fetched an unachievable at the time it was made.
“What you get by achieving your goals is not as important as what you become by achieving your goals.” -Zig Ziglar
In a nutshell. The year that I saved for my car I lost my job. Found a new job, quit that job (I hated it.) and went back to my old job, found a better job, kept working at my old job and found some small jobs to do. 😂😩 Make sense to you?! Okay good me neither.
When you set a goal and you pray on it. You never know how those prayers will be answered. My prayer was obviously answered in the form of jobs. Lol
“There is simply no substitute for hard work when it comes to achieving success.” -Heather Bresch
I want to share a few things that helped me achieve my goal in hopes that it may help you or someone you know do the same.
- Know your coins. I did a budget sheet before I even started looking at cars. Knowing the kind of car I wanted and when I wanted to get it allowed me get aggressive about saving. In addition to my regular full-time job I worked a part-time job and a few blogger related side hustles to help me meet those goals. I refer to 2015 as a my “Hustle Year”. Lol Queues ‘Used To’ by 2 Chains Ft. Drake 🎧🎤
- Gain advice from someone who has done it before. I sought the advice of people who are close to me. I wanted to get a better understanding of the process, cost, and upkeep. I was advised me to save around 20% of the total car cost as a down payment. Which I later received the same advice when I started doing research and reading blogs about buying a car. You may also need someone to go to dealerships with you to help you negotiate. Obviously I brought my boyfriend ☺️
- Evaluate Your Dreams. I started out wanting an E Class 350 AMG hardtop convertible 😍😍 (Hey a girl can dream right.) But my reality car was more of a C Class 300 😝 I evaluated my dream car and decided what features I couldn’t live without and what I could look to upgrade in the future. Mercedes redesigns it models every 4-6 years, for example you could get a 2013 that has identical features as the 2016 model. (I don’t know if the years I just gave you are accurate, I’m just using it as an example. I’m sure all of the specific model features for each year can be found online.)
- Be Real About Your Lifestyle. You are not just buying a new car. You are buying a monthly car note and upkeep. Be honest with yourself and evaluate if you can afford all that will come with your new luxury vehicle.
- Do Your Research. I used a car payment calculator to research about how much money I should put down if I wanted to maintain a certain car payment monthly. I’ve heard horror stories of people who drive nice cars but pay $800-1,000 a month. I knew that wasn’t in my “lifestyle budget” so I shopped around for interest rates (PLEASE NOTE: understanding and shopping for interest rates is a HUGE deal).
- Stay Motivated. I remember when I got the job offer to move to California, I almost gave up my dream car. I had a conversation about it with my boyfriend and because he knew my heart and how excited I had been he gave me words of encouragement to press forward. About 6 months before I got my car he took me to a Mercedes dealership where I sat in a different cars and took the pictures! Lol Sounds corny but hey, it worked!
- Know that you deserve it. Along your journey of saving and researching for your car people will doubt you, discourage you, and try to tell you what you should and shouldn’t do. Don’t let them. I remember going to the bank and the guy literally laugh in my face when I told him the car that I wanted. I had another bank officer tell me that I would be better of with a Kia or Altima. I heard it all. They didn’t care about all of the money I had saved, the good paying fancy job I had. All they knew was somebody like me has no business driving a car like that. I had to know in my heart that the car I wanted was mine! I knew I had worked for it and prayed about it. It was a done deal!
I challenge you to write down your goals on real paper with a real pen. Pray over them. No matter how crazy the goal seems. Keep your head down and work your ass off. It may take a while to see the results you want; a few months or maybe a couple of years. I promise you that if it’s meant for you it won’t pass you by. It’s already yours.
“Setting a goal is not the main thing. It is deciding how you will go about achieving it and staying with that plan.” -Tom Landry