When buying a car, need to factor in maintenance, RT, tires, breakdown, towing & insurance into the monthly installments.

For example, if your monthly installment is 600 bucks, add another 300-400 bucks as savings. Every month, u will deduct 900-1000 from salary account to another saving account and auto deduct the installment monthly leaving the savings alone. Over time, the savings will accumulates and should there be any maintenance or insurance, u then use the excess funds from there leaving the salary account alone.