In thinking you need a car, but do not currently have the finances to afford it. You would not be alone in this situation. Many people need their own form of transport for a variety of reasons. Maybe you often wake up in time to have breakfast and get to work, but having to work around the bus schedule means you have to wake up an hour earlier and be drained of sleep. Though common and high traffic routes see busses every fifteen minutes or so, those few minutes can be just the difference between being on time or late.
You would have to hit the bus most suited to your schedule but you still have to accommodate yourself to it. With your own transport, such fear won’t be instilled in your mind and you will be able to not just be able to get to work on time, but also be able to comfortable drive to many locations that public transport services like the subway or the bus just won’t deliver to you. Sure, we all fret car parking and having to find a spot but is it not better to try to find a spot in the parking lot rather than having to walk all the way from the bus stop to the location?
Some condos make this easy by keeping bus spots close to the condominium but if you’re thinking that you also need to transport other people as well as yourself since you and your family require the ability to commute to drastically different locations and a single bus won’t get you all to your destination on time, having a car and taking out some car loans on the matter can help. Some loaners might ask you to invest collateral in the case that you can’t pay back on time.