For many Ukrainians, owning a car remains one of the main financial goals. However, due to high prices even for used cars, saving a few thousand dollars seems like a difficult task. Financial consultants explain that the problem often lies not only in the income level but also in daily expenses that people hardly notice. This is reported by Molbuk.ua.
Ukrainians Spend Thousands of Hryvnias Daily on Trifles
According to consumer studies, Ukrainian families spend the most on food, utilities, transport, medicine, and daily purchases.
At the same time, experts emphasize the importance of small regular expenses that gradually 'eat up' a significant portion of the budget.
Among the most common expenses:
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coffee and snacks;
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food delivery;
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taxis;
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impulse purchases;
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subscriptions and marketplace purchases.
According to estimates, a typical day with coffee, food delivery, taxis, and small purchases can cost around 700–800 hryvnias. For a month, this is already over 20 thousand hryvnias.
How Much to Save for a Car in Two Years
To save approximately 5 thousand dollars in two years, one needs to save about 8–9 thousand hryvnias monthly.
Financial consultants explain that this can be achieved even without strict saving.
For example:
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less food deliveries can save up to 3500 UAH a month;
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using taxis less often – another 2500 UAH;
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coffee at home – an additional 1000–1500 UAH;
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control of impulse purchases – a few more thousand hryvnias.
As a result, even moderate cutting of expenses allows leaving 7–10 thousand hryvnias per month.
The Main Problem – Not Salary, but Financial Discipline
Experts emphasize that the key factor in saving remains not only the income level but also financial discipline.
Many people postpone savings due to expectations of 'better times' or a higher salary. However, practice shows that with income growth, expenses often grow as well.
That is why consultants advise to automatically set aside a portion of the money right after receiving the salary, and only then plan expenses.
Amid war and economic instability, Ukrainians are increasingly reconsidering their financial habits and looking for ways to save money even on limited incomes.
For many families, owning a car remains not only a matter of comfort but also a necessity due to transportation and mobility issues in various regions of the country.
Earlier, we wrote about how to save electricity. Contrary to the common belief that the refrigerator is the main 'consumer' of electricity in the kitchen, experts assert the opposite. The dishwasher consumes the most electricity.