As the title says, If you are buying a new ship and not storing the old one sell all the optional modules first, then downgrade everything stock to the lowest version you can, ie the Adder comes with an 8T fuel tank, downgrade it to a 2T one and get 8K back, same with the fsd, power plant, coupling etc.
I was looking at trading my Adder last night and at 300k cash I would just have had enough to buy the cobra and have 100k left over (after Adder trade in discount) to upgrade, insure and start trading again.
Stripping and selling took me up to 640k cash which was more than enough to buy and upgrade the Cobra to 30t cargo, upgrade the fsd and power systems to get back to a reasonable jump range while still leaving 130k (+ 40k) insurance for seed money.
This will be old news to some but a small tip that may help other on the long road to the ship of your dreams
I was looking at trading my Adder last night and at 300k cash I would just have had enough to buy the cobra and have 100k left over (after Adder trade in discount) to upgrade, insure and start trading again.
Stripping and selling took me up to 640k cash which was more than enough to buy and upgrade the Cobra to 30t cargo, upgrade the fsd and power systems to get back to a reasonable jump range while still leaving 130k (+ 40k) insurance for seed money.
This will be old news to some but a small tip that may help other on the long road to the ship of your dreams