5 Tips for Buying a Used Car

Tips for buying a used carChoosing a used car over a brand new vehicle comes with a wide range of advantages. Apart from typically being more affordable, used cars tend to preserve their value over a longer period of time. But in order to buy the best used car that fits your need and your budget, research is crucial.

Here are five essential tips for buying a used car.

 Determine Your Budget

Setting a strict budget cap is the first thing to do. The step will keep you from going overboard and it will also limit the number of available options. Also, if the car you have your eye on is out of warranty, you may want to set aside an extra emergency fund that can be used for unexpected car repairs as well as necessary maintenance.

Research

Now that you have your budget, it’s time to research models. Every model has its benefits and shortcomings. Do you want a small automobile? Do you want a bigger vehicle that can carry a lot of weight? Is ease of parking a main concern? Do you want an economic vehicle that uses small amounts of fuel? Do a bit of research based on your list of priorities and narrow it down to a couple of models that are reliable and within your budget.

Check the Vehicle and Its History

When going to inspect vehicles, it’s a good idea to bring someone along who knows what to look at. Getting a Vehicle History Report is another essential step. This report provides information from the Department of Motor Vehicles (DMV) in each state that has a record about the automobile. Information about accidents and insurance will also be available, helping you uncover its history, past damages and repairs that might affect its performance.

Test Drive the Car

This is one of the most important tips for buying a used car because a test drive can reveal a lot of information that you’ll have no other way of knowing. For example, the car’s interior should comfortably fit your needs and the vehicle itself should be responsive to the typical on-road environment you drive through daily. If you experience problems on the test drive, reconsider the purchase.

Pay for a Professional Inspection

If you don’t have the technical knowledge, you may want to pay a mechanic for a final inspection. A professional can take a look under the hood and tell you about concealed problems. Spending a bit of money on a professional inspection can help you save a significant amount of money on automobile repairs in the future.

If you want to learn how to save even more on your car, see our blog on how to reduce car repair costs.

Money is one of the most contentious issues in a marriage, so much so that it is one of the most common reasons for divorce. If you are looking to make your marriage successful, it’s important to put some serious time and effort into learning how to talk about money with your partner. How to Talk About Money with Your Partner Our background exerts enormous influence over how we spend money. Unfortunately, how we spend money is such a fundamental part of our lives that it can be easy for us to assume that it is universal, which can be a problem when money spending habits come into conflict. To combat this effect, you and your partner need to learn more about each other’s background when it comes to personal finance, which will provide you with the understanding needed to communicate efficiently and effectively about money matters. Arguments about money often start when one partner confronts the other in a moment of anger, which is likely to provoke similar emotions on the other partner’s part. To avoid this, you should set aside some time with your partner on a weekly basis to talk about family finances. This way, you can communicate without anger or frustration getting in the way. Remain calm and constructive to make progress when talking to your partner about money matters. If you find that the discussion is getting heated, consider putting it on hold and then cooling off before getting back into it. With this as…

The thing about a financial emergency is that it can come out of nowhere. You did not plan to total your car in an accident or end up needing emergency medical care. Now that something has derailed the household budget, you have to figure out a way to put things back on track. Here are some tips on how to focus your energies and get things done. Put Your Resources to Good Use Take stock of what you have in the way of resources to keep the household going. Open the pantry door and inventory all those cans, pasta, and other foods on hand. Do the same with what is in the freezer. Plan your meals for the next few weeks based on what is already in the house. If necessary, you can make a list of things to pick up at the supermarket to go with what you have in the pantry.

In a pinch and need to save your pennies? Here are some tips for generating your savings quickly!

Credit card debt was projected to total $900 billion by the end of 2015, with the average US household owing at least $7,813. Having access to credit makes it very easy to pay with a credit card for goods and services, but there are plenty of situations when paying by credit card is really not a wise option. Reasons Not to Pay by Credit Card One major reason to be wary of paying with credit cards is when shopping online at unfamiliar sites and retailers. Giving credit card details online can be a security risk leading to theft of credit card details and personal information. You should always check the online security of any websites prior to making online payments. 

We’ve all been there: the extra few hours at work, stuck in rush hour traffic, feeling exhausted and the last thing you want is to spend time in the kitchen! DoSomething.org reports that 1 in 4 Americans consume fast food at least once a day, meaning that our dependency on already cooked, delivered meals is a necessity (and no longer a luxury). It may seem like you’re saving time and resources by eating out. However, your wallet will take a beating from all of the excess charges for items that cost a fraction of that amount from the store! Loans, bills, and debt are sky high for a majority of Americans, making finances a major source of stress. The American Psychological Association found that more than 72% of Americans are highly stressed about money and bank accounts. By simply cutting back on costly cuisines, the strain and pressure will radically decline. Try these simple tips to lower your spending on quick fixes and spend more time where it really counts: towards your wellbeing.

The best part of having access to a credit card or many cards is the ability to leverage your good name for some purchasing power that doesn’t need to be backed up by actual funds. The downside of credit card use is when you end up running into those pesky credit card charges. Nobody likes paying more than they have to for access to credit, and it’s the charges that can really get you in over your head quickly if you aren’t aware of the worst charges that you could face.

Get Cash Fast From Your Home You may have seen those “get cash now” advertisements online or TV commercials and you may be suspicious. There should be a healthy skepticism for something that seems so seamless. But like online shopping, online food ordering, online learning and online everything, or so it seems, trusted online short term lenders are becoming the preferred method to get cash fast. Here is why so many people like you are turning to easy and quick online short term loans: Convenience Visiting storefront short term loan locations and comparing their rates can be a hassle for a number of reasons. For example, you have to physically go to the storefront location, which may not be convenient for you. Additionally, you may have no way of knowing ahead of time how much they will loan you. With an online short term lender however, you can conveniently apply online from the comfort of your own home. The application is in a convenient format, is user friendly and you will receive a response to your application instantly at your computer. From there you can compare the best short term lenders with one another. This added level of convenience not only helps you get cash fast, but may also take any added stress out of obtaining a short term loan. Speed When it comes to the matter of getting your cash, online short term lenders like Northcash can deposit your loan into your bank account within hours of getting approval…

Adjusting the grocery budget is probably the most common way people try to save a little money.  For many people with families, the meat for the week is easily the biggest part of the grocery bill.  But that doesn’t mean you have to go vegan every night just to save money.  Try these tips to save on meats and stretch your grocery dollars a little further. Know prices and look for the sales – Pay attention to the prices at the store and look at the grocery ads before you go shopping.  Every week there is at least one kind of meat that is featured as the main sale item.  Buy extra when there’s a great sale and freeze it for later. Plan recipes that use cheaper cuts of meat – Instead of steaks, have pot roast. They’re both beef but the pot roast will cost less per pound. Buy reduced meat – Stores often mark down meat that is close to the sell by date. If you are cooking it or freezing it right away, you can take advantage of the reduced price. Substitute different meat in your favorite recipes – Depending on the recipe, you may be able to substitute boneless, skinless chicken thighs for chicken breast or ground turkey or pork for ground beef.  They are cheaper alternatives that usually work just as well. Use coupons – Coupons for meat aren’t very common, but they do exist so take advantage when you see them.  Store loyalty programs are a good place to look….

Having a hard time deciphering your credit score? Our infographic will help you understand the details of your credit score.

You never know when you will need cash to pay for something you didn’t see coming. Every now and then people are hit with traffic tickets, medical bills and car maintenance issues that weren’t expected. Such an effect can be incredibly disruptive to a person’s finances and livelihood. Sometimes it means spending less money on food and entertainment just to try to put an expensive bill behind you. Many times unexpected expenses lead to financial trouble that can last for years. One way to resolve this problem is with a small short term loan. Dealing with Surprises Everyone ultimately faces financial surprises at one time or another. Ideally, over the years you will build your own safety net with a savings account, a retirement account and other investments. But many people do not have that opportunity since they either work for a small that doesn’t offer benefits or they work for themselves and struggle to pay bills. Always be aware of the alternatives so that you can make the best financial decisions that fit your needs. Resolving unexpected expenses with short term loans works if you have a steady job and a solid repayment plan. Things You Can’t Control Sometimes events happen beyond our control, forcing us to make decisions we wouldn’t normally make. Unexpected expenses can happen to anyone, involving a family emergency or a natural disaster that can destroy your home and force you to move. Another example is if you get into an accident or develop medical…

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This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. Northcash loans are designed to assist you in meeting your emergency borrowing needs. The Annual Percentage Rate (APR) applied to your loan will vary depending on the pay period with the maximum APR on any Northcash loan being 795%. This is a term installment loan with approximate equal payments, but you have the right to prepay at any time. Any instances of late or non-payment may be subject to additional fees, such as NSF and late fees, as well as collection activities Before borrowing, we ask that you assess your ability to repay the amount you borrow.

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