When you own a car, doing your everyday activities and chores would be a lot easier, especially if you have nobody else to assist you with. Your everyday activities might involve driving your kids to school in the morning and then picking them up after their classes in the afternoon. Having your own car would definitely save you time and effort. And then when you go to work having a car would make a whole lot difference.
So basically, owning a car these days is not a luxury but already a necessity. Because you see, you need a car to more around and do your errands and everything else especially if it involves driving and picking up kids from school and going to work. You will have more time with your kids and for yourself. If you are tight on your budget then you might as well get a car loan. A car loan is really not that difficult to apply for. As long as you have all the required documents and the money to make a down payment for, you can now get your own car through a car loan.
Of course having a car loan is not that easy. You will have to maintain a monthly amortization, and before you apply you need to make sure that you can afford it so as to avoid future problems. Yet with your monthly obligation, your life will also be a lot easier, you will be able to save time driving around compared to have to take buses or trains. So why not get yourself a car, and you can spend more time for yourself and your family.