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Light vs ordinary car, the second double-working car divides about 330,000 yen for 3 years

After all, light is the best, right?

That's half right and half wrong.

─ ─

▷ About 330,000 yen difference in 3 years (light is cheap) 🚘

N-BOX vs FIT

1.3 L, 8,000 km / year, local area, female in her 30s 9th grade

3-year cumulative real burden (buy + maintain - sell):

· N-BOX 1.24 million yen / fit 1.57 million yen

A difference of 9,167 yen in monthly terms and about 110,000 yen in annual terms

▷ The biggest factor in the difference is tax + insurance 💰

Difference in annual maintenance costs (light is cheaper):

Vehicle tax - 19,700 yen

Voluntary Insurance 14,600 yen

Vehicle inspection - 13,030 yen

The fuel efficiency difference is surprisingly small.

Both working people change "housing x car ownership" in conjunction with the birth of a child (Guo 2020)

▷ Three conditions under which "light gain" collapses

① Use the highway more than 100 hours a month

→ Light fuel consumption dropped from 14 to 12 km / L, 3-year difference reduced to 30,000 to 50,000 yen

② Parking lot in urban area more than 15,000 yen per month

→ 360,000 yen a year for 2 cars, 1.08 million yen for 3 years disappears before selecting the car type

③ Have a car for the first time (6th grade start)

→ Light insurance premiums exceed ordinary cars by about 1,500 yen / year

▷ Choosing a car is not just about money

For "money to pay for a car" (1.35 million yen a year),

The amount of money that a person can give up a car for a year is 1.68 million yen.

People feel valued 24% more than they pay for a car.

More than half is "value that is not money" = security, convenience, family freedom 🧑 🧑 🧒

(Moody 2021, Nature Sustainability)

It is not unreasonable to choose a normal car even if you pay a difference of 330,000 yen.

It means that the security and freedom of the family are included in the price 🚙

─ ─

▷ This person is light, this person is a normal car

a person who gains light

Neighborhood pick-up and shopping center

・ Couple + 1-2 children

· Parking lot in local area 5,000 yen per month

· High-speed use is about several times a month

People who are more secure and profitable in ordinary cars

· High-speed commuting · Long distance everyday

Couple + 3 or more children

・ Living in an urban apartment

· Choose "peace of mind" by value

─ ─

After all, it is most convincing to choose according to family life 🍋

Save it and watch it back before you discuss it with your family 📝

※ Source: Guo 2020 / Moody 2021 / Jihanren, JAMA, JAF / Female in 30s 9th grade assumption / Moody Numbers are converted to 150 yen per dollar

Choosing a car # car _ life I want to connect with car lovers # FutureStackCars Studying money.

5/2 Edited to

日常生活での車の役割は、ただの移動手段以上のものがあります。特に共働き家庭では、2台目の車の選び方が家計や生活の質に大きな影響を与えます。私の経験からも、軽自動車は税金・保険料・車検費用が安いため、特に地方在住で日常の買い物や子どもの送迎中心の使い方には非常に経済的です。例えば、普段の走行距離が短く、駐車場代が安ければ月々の維持費の差をしっかり実感できます。しかし、高速道路を頻繁に使う場合や都市部で駐車スペース代が高い場合は、逆に普通車の方が快適性や燃費面でメリットがあります。また、普通車は乗車人数や荷物の余裕があり、家族が増えた場合の利便性も高いです。私も実際に、地方から都市部に引っ越した際に、駐車場代や通勤距離の増加を考慮して軽自動車から普通車への乗り換えを決断しました。保険の仕組みも重要で、新たに車を所有する場合は等級が低いため、初期の保険料差が軽自動車と普通車で逆転することもあります。これを踏まえて、車の使用状況や家族構成、生活拠点の環境に応じて長期的に最適な選択を検討することが大切です。なにより、車を選ぶ際には「お金以外」の価値、すなわち安心感や利便性、家族の自由度も大きな要素だと感じます。車の所有は単なる支出ではなく、家族のライフスタイルに直接結びついています。だからこそ、単純なコスト比較だけでなく、生活の質や心のゆとりも含めて総合的に判断することが、満足度の高い車選びに繋がると思います。