I’ve been on the internet for a very long time and I remember all those scams that used to say you’ll be getting a free car if you give them your e-mail address. I am going to explain what I did in order to get my car free of charge.

Two years ago I had somewhere near 20,000 Eur ($27k) invested in stocks. I wanted to buy a car because I had no access to our family car so I did. I bought a new Citroen C4, for the price of 15,000 ($21k) Eur on a 5 year leasing. Many people said it was a mistake that I didn’t buy it with the cash up-front but I had my ideas. I kept the money on the stock exchange and one year later I already had a 40% yield. I found a great deal for buying some land, and now after 6 more months I can tell you that my investment totals near 80,000 Eur ($110k).

So imagine that I paid (from my paychecks) 18 payments for my car which was a way of saving each and every month, otherwise I would have spent it for un-necessary stuff and the money that I didn’t spend all at once for my car I invested. Simple math will tell that I got not only one car free, but about four cars.

I advise you to invest borrowing money from the bank, but I also advise you not to go too much into debt. For me 280 Eur ($380) a month was not that big but I am sure if I had 4 cars to pay for, would be too much.

The conclusion I got after doing all these, is that if I would have bought the car with the cash up-front I wouldn’t have paid interest, but also I wouldn’t have the $110k I told you about. Maybe only $10-$15k. If you can afford to borrow and you have a deal don’t wait, do it, and if you feel like you already have made enough profit, cover your credit and keep the difference.