[問題] 新手買新車,打算只開1年半就賣掉,划算?已回收
如題,小弟28歲,目前二份工作,月薪4萬~8萬,年薪取中間值72萬
工作1:酒店櫃台 上班時間晚上8點到早上7點
工作2:壽險業務 上班時間早上8點半進公司早會到約10點後就自己時間了
目前我的行程是中午前會拜訪1、2個客戶,約1點前要回家睡覺補眠約6點起來去酒店
上班
這樣的模式只會再持續1年,因為小弟存好錢就會上補習班考碩士了
小弟是個機車族,有汽車駕照,但沒上路過幾次,還是個路癡,需要導航…
會考慮買車原因,想「縮短通勤時間增加睡眠」
"首先是沒車的時間花費":
A: 家裡至酒店: 騎車到車站 20分 + 坐客運到酒店 1小時10分 + 塞車 10分= 1.4hr
B: 拜訪完客戶至家裡: 客戶群在內湖及信義區,搭車至基隆約40分 + 騎車20分= 1hr
(沒買成本)約:200元/天 => 「 7.3萬/年」
72萬-7.3萬-15萬(飲食等)███存下 49.7萬/年███
"假設買車後的時間花費":
a: 家裡至酒店: 開車約40分
b: 拜訪完客戶至家裡: 開車約30分
可以多1hr/天的睡眠,365hr/年
而小弟打算買新車new colt plus黑色 假設55萬,頭期5萬,貸50萬50期
假設加一加保險有的沒的,算1.5萬/月
(買車成本)約18萬/年
But... 一年後賣車,假設40萬,而剩餘車貸50-12=38萬
72萬-18萬-38萬+40萬-15萬███存下 41萬/年███
買車少存的 8.7萬/365hr = 238元/hr
而算一算我自己的時薪: 16hr/天*26天=416hr。 6萬/416= 145元/hr
(其實這樣時薪和一個月薪3萬的上班族一樣…)
總結:我睡1小時少存238元,是我時薪的1.6倍,是不是很不划算,還是買二手車,各位認為呢?
小弟確定一年後賣出,假設40萬賣出
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