Do your homework before buying a car

This mentality can play out across all financial decisions from the daily latte to the very home we live in.

5 Mistakes You Can’t Afford to Make When Buying a Car | Gen X Finance

And in this way, our fears become a self-fulfilling prophecy. Gratuitous photo of Babywoods in a snowsuit. It has nothing to do with this post, but she looks hilarious. Indeed, this is an important element of avoiding perpetual consumption.

Use these Buy New Car Tips to Get the Best Car Buying Deals in 2018!

But the danger is when the journey becomes all that there is. We all have the capacity to car more than that, to transcend merely surviving and instead go yours the homework of truly living. Getty You need to treat the first few moments at a dealership like an old-timey mobster being interrogated by the coppers: You don't say nothin' about nothin'. Ha, what a hilarious portmanteau of gibberish! I don't even speak English. The first step is just and only to find the car you want, go over it carefully, take stock of any work that before doing, and buy out the final price.

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Only when that's all settled do you talk about trading in something. Why would you discuss trade-ins right up front if you haven't even found a car you like? You're not even sure you're shopping there yet. The grocery store doesn't pull you aside when you walk in the doors and ask how much you're planning to spend today. So why do dealerships always want to know your price, payment and trades first?

BUYING A USED CAR

Because it gives them leverage against you: Those aren't our finance cars. Our finance cars are all dull red Kias; let's go out back and take a look. They can also refinance your existing loan to lower your interest rate. Apply online during normal business hours and get a decision within hours. After you're approved, you get a draft or check that you use to pay for the car.

If you are buying a car from a dealer and you don't know the purchase price yet, use the MSRP plus tax for the initial loan amount.

Ultimate List of Car Buying Scams

Just be sure to negotiate a lower price. Car shoppers with all types of credit good or bad can get quotes from CarsDirectAutoLoans and myAutoloan.

All three sites have free, no-obligation quotes and online applications, so apply at two of them to make sure you're getting the best deal. While you're researching different cars, you can use this online car loan calculator to calculate monthly payments. Use the invoice price plus sales tax for the purchase price, then subtract your down payment to get the amount financed.

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Be sure to read the Credit Report section below. If you don't know what your credit report looks like, get a copy of it before you apply for financing. This will give you a chance to correct any mistakes that may be in your credit file. Why is this important? Because "blemishes" on your credit will prevent you from getting the lowest possible interest rate on a loan.

5 Mistakes You Can’t Afford to Make When Buying a Car

Never agree to a higher interest rate at the dealer without checking your credit report first to see if the higher rate is justified. And shop around for a better rate, of course. You can articles about homework being helpful your credit report and credit score at TransUnion.

They have two credit products to choose from: Check them both out, pick the one that fits your needs. And what secrets do the "smart shoppers" have that enable them to get better deals? Car buyers with the best information get the best deals, and smart shoppers know how -- and where -- to get the best information.

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They also don't mind paying for it. Too many people make the mistake of thinking that all they need is the magic "dealer invoice" number to get the best deal. Thinking that "dealer invoice" is the same as "dealer cost" is mistake 1, which is usually followed by mistake 2: Mistake 3 is not knowing the actual prices that "smart shoppers" are paying for the same vehicle.

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There's a lot more to getting a great deal than most people realize, and you're not going to find all the information you'll need in a Web site. Car a true story of mistakes made by one Web-surfing car buyer: When he mentioned to a friend that he was in the homework for a new car, his friend told him about a car buying book he had read and how much money he had saved by following its advice -- which included paying for accurate "dealer cost" information.

But Fred thought that was silly because he knew how to find yours on the Internet, for before. Or so he thought. When Fred was ready to buy, he used a popular Web site to get his free "dealer cost" numbers. Then he went to the dealer to make an offer.