Free Debt Relief : Random Debt Relief Tips - Cars more stuff
Here are some more car debt relief tips:
- Look at refinancing the car you owe on now. You may find that your credit rating has improved so you can get a lower rate. Or Interest rates may have improved so again you can get a better rate. Finally you may find that the dealer who originally financed you car may have charged you more interest than he should have given you credit rating. Blacks ,Hispanics and women may find they have been charged more than whites , Asians and men with similar credit histories.
- When buying know the dealers cost and have a number in mind. Figure out what a 2-3% profit over costs for the dealer would be then haggle away. Me ,I just bring my wife. I swear I saw her bring a auto dealership finance guy to the brink of tears with her hard nose negotiating. I love that woman.
- Come armed with all your research so you can substantiate you position. It might cut down on the haggling time.
- Know your fico score. I found loan saving calculators on line .The calculators will let you see what your payment might be like. I know there is one on myfico.com. Do some searching and you will find others.
- Pay off your current car before you buy a newer one don’t start off at a financial disadvantage. Figure the dealer is going to charge you a higher interest rate in this situation and you probably figured right.
- John Cummuta tells a story about how he leased or brought a real cool car. Spent a lot of money on it. But he noticed that as sweet as that car was he only got one WOW reaction from each person who saw it. After the first time they saw the car it was just a car. Make sure your not buying a car for that wow reaction from others .
- While the your trying to make your car last longer be sure to do the maintenance. It costs a little up front but it will save you money because your car will last longer.
well that’s it. I’ll be sure to pass along more tips as I come across them.