money saving tips car
ZipCar.com
An alternative to car rental and car ownership.
Zipcar members report an average monthly savings of more than $500 compared to car ownership.
ArtsCow.com
1,200 free photos. Shipping not included.
Details of this promotion:
1. Offer applies to new registrants only
2. Please use the credits between the start time and expire time
3. 100 free 4×6 and 50 free 5×7 print credits can be used per month.
4. The decision of ArtsCow.com on all matters or queries concerning the Promotion shall be final.
5. One use per household. *Only the first new register can entitle to enjoy this promotion offer in the network place.
6. Promotion details may change at any time without notice
7. Valid on orders placed and shipped within the globe only
8. Shipping fees are not included
9. All credits issued will not be deleted except repeated registrants
10. ArtsCow.com reserves the right to terminate this offer at any time without notice
How to use the free photo prints and other photo gift credits:
1. Login your ArtsCow account
2. Create a new album
3. Upload your photos to the album
4. Place the photo prints order
5. The free photo print credits will be auto applied.
6. Enter Billing/Shipping Information
7. Check out by Paypal or Credit Card.
Refinance your Cars
Avoid long-term loans.
It is important to lower your car’s monthly payments by finding a better interest rate, not by elongating the term of your loan. Sure, a longer term would also result in lower payments. However, it comes with a price. You would end up paying a lot more interest.
Furthermore, before long, you would owe more on your vehicle than what it is actually worth. Thus, should you choose to sell your automobile before the term is over, you would still owe a balance on it. The proceeds from the sale of your car would not be enough to repay the loan back in full.
Most likely, though, you are selling your old car in order to buy a new one. If you trade-in your old vehicle at the dealership, the dealer will be happy to add the amount you still owe on the old car to the new car’s loan. At this point, you would end up paying for two cars, one of which you do not even own anymore.
Credit unions.
In the past, you would have to be a part of an elite society, or work for the government, in order to be considered as an applicant to become a member. This is no longer true. Nowadays, as long as you live or work within a certain radius of a credit union, they will welcome you into their “family”. Hence, you too will be able to benefit from lower interest rates. Obviously, it might be possible to obtain a better rate from a financial institution other than a credit union. Always consider all your options before committing to a lender.
Pay Off your Credit Cards
If you owe money to one or more credit card companies, the first step is to get out of those debts
Sending only the minimum payment that is required from you will only keep you indebted for several more years, if not decades.
Furthermore, you will have reimbursed many times over the amount you actually owed.
Do you know of a guaranteed investment that will yield 18, or even 33 percent a year, year after year?
Once paid off, you get to keep and enjoy the amount you used to send to your creditors. That is the same as if you made 18 to 33% interest for yourself.
If you have more than one card maxed-out, send the highest amount possible to the one that has the highest interest rate. Also, make the minimum payment on all your other cards.
Where are you supposed to find the money to do that? By following the other money-saving tips posted on this website, you will have extra money that you should use to pay off your credit cards.
Car Price Negotiation
When shopping for a new car, you can save a lot of time, effort and energy by shopping online first.
All new-car dealerships employ an internet manager.
You can therefore begin negotiating online, before you even set foot in the dealership.
Say ‘Dealership A’ is quoting you a higher price than ‘Dealership B’. You could reply back to ‘Dealership A’ stating that ‘Dealership B’ has quoted a lower price, and ask them if this is the best they could do. Don’t be surprised if ‘Dealership A’ replies with a new price, now lower than ‘Dealership B’. Try doing this with 5 to 10 dealerships, and you’ll be amazed at how much money you can save.
Negotiating a Better Price on a Used Car
When buying a used car from a private seller, ask him/her to have the dealership inspect it.
You don’t have to take it to the dealership where the car was originally bought. However, if you’re planning on buying a Toyota, for example, drive the car to a Toyota dealership.
If the seller says no, move on, he/she has something to hide.
If the seller is ok with it, go there with him/her and ask them to perform a comprehensive inspection of the vehicle. Is is customary for the buyer to pay this fee. (It is probably best you schedule an appointment before showing up).
Dealers are known for finding even the smallest issue on a car. They are also known for charging a lot more for repairs, when compared to independent shops.
Unless the seller was a car nut who was taking meticulous care of his car, the dealer’s mechanic inspecting the vehicle will come up with a list of things that are wrong with the car, along with prices to have them fixed.
Use this as your weapon to negotiate a better price.
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