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spend less drivingAs kids, we’ve always dreamed of growing up into the cool adult with the nice car. We soon discover that dream cars are a dream for a reason: they are expensive. Now, you’re all grown up and still dreaming of that vehicle. But a car lease may be your solution.

How to get a car

These days, it is so easy to get a new car. If you’re looking for a used one, there’s plenty of online sellers who can give you a good deal for one. But the risks is that you don’t know what they did to the car or if anything is wrong with it.

That’s why others opt to get a car loan, wherein a bank or a finance company pays for the car, and the buyer makes the monthly payments. And of course, the car lease.

The car lease is the most enticing of it all because it guarantees a working vehicle for a fraction of the cost compared to car loans. But is it for you? Here are a few pros and cons of leasing that can help you decide if you should take a loan or a lease. ...continue reading

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pay cash for your next carMany people have car loans. In fact, approximately 107 million Americans own a car that they pay a note on.

Not only are car loans expensive, but they can also be avoided, even if you are on a low income. If you are looking for a vehicle now or soon, here are a few tips to help you pay cash for your next car.

Drive Your Old Car As Long As Possible

If you have a car already, drive it until you can’t drive it anymore (or until it doesn’t make sense to keep repairing it). Why buy a car you can’t afford when the one you have works just fine? Sometimes, you may be envious by the people driving new wheels, or the people who don’t have to manually roll up their windows. However, you have to remind yourself that it’s not worth getting into massive amounts of debt just to own a newer car.

If you don’t have a car yet, now is the time to act like you do. Start saving money as if you have a car note, insurance, and other miscellaneous things to pay for.

Save Each Paycheck

Even if it’s just a few dollars, save money from every paycheck in a new car fund. You can always increase this amount as you earn more or cut out expenses, but try to save something. It may take you a little longer to save enough money for a car, but it can be worth it when you realize you don’t have that extra bill hanging over your head every month.

Save Extra Money to Pay Cash For Your Next Car

Do you get bonuses, raises, or even birthday money? It should go straight into savings when you get it. It may be hard seeing that money sitting in your savings when you feel you deserve to spend it, but that extra money helps grow your savings faster.

For every bonus or raise you get, continue to save it and live off of the income you were making before. Before you know it, you’ll have a nice chunk of change to use for your next car purchase. ...continue reading

Mother's Day giftsIf you could, you would take mom on a world cruise to thank her for everything she’s done for you. Taking her globetrotting might be out of the budget, but it doesn’t mean you can’t give her something she’ll love, use and cherish.

These 20 gifts are guaranteed to delight, and they’re all $100 or less. Some are even less than $20.

Kamik Jennifer Rain Boots
$64.99 at Kamik.com
If she’s not one for jumping in puddles, that’ll change once she steps into these cute boots. She’ll love the comfort and the classic style, and they’re available in five colors.

Terrace Jewelry Organizer by Umbra
$29.99 at ContainerStore.com

Mom has collected lots of baubles and bangles over the years and they’re all in a tangle. This three-tier lined wooden box offers a smart storage solution for her earrings, rings, necklaces and even her reading glasses. Drawers can slide out for display or remain neatly stacked.

Grow Oya
$24.95 and up at growoya.com

This clever clay receptacle waters thirsty plants with minimal effort. The Oya is buried in the garden for spring and summer and periodically filled with water. The plants in the vicinity draw the water they need. Because there is less surface watering, weeds are less likely to germinate. Available in three sizes. Wondering what to plant? You can grow these five groceries in your garden. ...continue reading