FREE PIZZA!!!
Are you interested in getting a free pizza and a free Pepsi Max? If so, go on over to www.freepapajohns.com and enter your pick as to which way the Super Bowl coin toss will turn out. I chose Tails. If America gets it right, EVERYONE registered for Papa Rewards gets a FREE PIZZA and a FREE PEPSI MAX. What better way to save money, than to get something for FREE!!!
The future of SpendingLess101.com
I am trying to decide if I should revive SpendingLess101.com. What are your thoughts?
10 Ways To Save Money Buying A Used Car
Buying a used car can be a substantial investment, with considerable costs involved. In tough economic times saving every penny counts; plus why would you pay more than you have too.
Here are a few quick tips when buying a used car.
1. Financing – Keeping your loan term to the shortest amount of time will save you money in the long run. Generally, it is wise to keep the term within 36 months if possible.
2. Loan – Obtain a loan for a used car via a third party lender. Generally used car dealers will charge higher rates or tack on additional fees, plus it puts you in a weaker position when negotiating the cars price. If you are in the military or work for the government, there are lending institutions which provide good rates to government personnel, which are unavailable to the general public.
3. Private sale – Generally you can obtain a used car for a lower price from a private seller. The vehicle may not have a warranty and almost never comes with a guarantee. However, since there is no middle man in the transaction, both the buyer and seller of the used car come out better in the long run.
4. Inspection – Have a friend who is a good mechanic? Have them inspect the used car for less. Throw a few dollars his way and skip the expensive used car inspections. Additionally, you will be building a relationship which might come in handy in the future.
5. Car Fax Reports – If you search online numerous websites list discount coupons for car fax reports for your used car. The discount rate isn’t much, but every penny counts!
6. Wear and Tear Items – Most used cars have worn out parts: tires, brakes, cracked glass, broken/burnt out bulbs and exhaust leaks. Check the car over rigorously as these items add up. Additionally, make sure all items needed to pass inspection are in good condition; or have the seller knock off a few dollars to compensate. Also, used cars with broken inspection items are harder to sell, so the owner may come down in price.
7. Change your own oil – Changing your own oil can save you money, especially if you use synthetic.
8. Application Fees – When obtaining a loan for a used car normally there is an application free. See if the loan officer will waive the fee. Tell the loan officer you just had a kid and times are tuff. Heck, flirt with the person; you might be surprised how far you can get.
9. Ladies bring a guy – While this will sound sexist, it is strongly advised that ladies bring a guy when buying a used car. Some individuals are of the opinion women are not knowledgeable about cars, and will try to push you into a bad deal. Having a guy with you, even if they are just a friend or relative will help to eliminate that problem. Additionally, having two sets of eyes is always better than one.
10. Buy out of state – Some states do not require you to pay tax up font when purchasing a used car. Buying out of state can save you money initially; additionally your state of residence might have a lower tax rate.In fact there is a good resouce for locating out of state cars LocalCarHub.com.
11. Bonus – Know what you are buying. Do the research; learn what similar cars are selling for. Check the blue book value of the car.
Enjoy your used car.
By John Rover
Ways To Save Money And Manage Personal Finances
In today’s declining economy, financial problems are becoming increasingly common. Every time you go to the grocery store, the price of at least one thing you buy has gone up in price since last week. Almost daily the price of gas increases. So what can you do when you are continually forced to spend more and more, but your income stays the same? How can you take control of your personal finances, save money and get ahead? First, you must be aware of where your money is going. Many people don’t realize this and without knowing it are spending what adds up to be a significant amount each month on little things. If you don’t normally ask for a receipt, start doing it now. Write down everything you are spending. Include cups of coffee, magazines, sodas, snacks and money spent eating out. Don’t omit anything. If you don’t know exactly where your money is going, you can’t make any affective changes, save money or take control of your finances. Second, make a budget. Put all of your expenses into one of three categories: needs, fun money and savings. Everything you need to have obviously goes in the needs category. Be honest! Only put it here if you really need it. This includes things like rent or house payments, gas, childcare (for when you are at work, not at a movie) and food. From your fun money come things you enjoy having but can live without, like gifts, eating out, cable t.v. and toys for your kids. Finally, there is your savings. Maybe you aren’t saving anything yet or aren’t saving enough. 65% of all people living in the United States aren’t saving enough for retirement. Maybe you have a lot of credit card debt and can’t think about retirement until you’ve paid that off. Don’t despair! Keep reading to find out how you can pay off your debt, save money and take control of your personal finances. Third, you have to be willing to make changes for your own good and the good of your family. Look closely at where your money is going and see what you can cut back on. Do you buy a $3 cup of coffee each morning? This adds up to $60 a month. Make your own. Start taking your lunch to work. Don’t buy the most expensive gifts. This article covers very briefly the basics of balancing your money. For details visit my blog by clicking here because there is so much more information vital for balancing your money, controlling your personal finances and becoming financially secure than I am able to put in this article. It describes in depth each of the three categories: needs, fun money and savings, as well as the percentages of how much you should be spending on each category. It tells you exactly how to get out of debt, no matter how much you have, and how to best plan your retirement. My blog also offers a variety of ways to save money.
Gina Clark writes on financial issues. Click here to learn additional ways to save money and manage your personal finances.