Why do a lot of people drive a luxury car that they can’t afford yet? It doesn’t make sense to pay $200 to $1500 a month to pay for a luxury car that we use to go to our work place, and use the income from the work place to pay the bank, so we can keep the car! Also, don’t forget about the monthly interest that the bank charges.
The tote-the-note lot cars may not be as good quality cars. They are usually older and little more worn, engine and interior and most likely won’t have a warranty. They are sold ‘as is’ and if they fall apart when you drive off the lot, you still owe for the car as well as have it repaired. The prices may be lower than the floor planned lots, but the interest rate is higher.
The first thing you should consider is the year, make and model of the car. Even if the vehicle is a complete heap of junk, the body could be worth something to somebody who restores old vehicles. You might want to join a discussion forum on the internet for classic cars to see what people think of the junk car in your yard. Most people in these forums will give you an honest opinion and many have vast experience with classic cars.
Never break the law – It may seem convenient to tamper with the vehicle in order to raise the earnings you may get from it. However, remember that this is potentially considered a crime. There are specific laws that deal with problems like mileage tempering.
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Forget those long term loans! If you have to finance for more than 60 months, you probably can’t afford the car you are looking at. Take out the shortest-term loan you can afford. Even though you are paying a little more each month, a bigger portion of your payment will go towards paying down the principal. This way you can build equity much faster.
Make your own cover for your own car. You can always count on do-it-yourself car covers if you find it difficult to get one that’s pre-made by companies that make them. It’s not that difficult to find raw materials for a car cover. You can find them in stores that sell car accessories of every kind as well or you can look into some hardware stores for these raw materials for covers for cars. You can even save yourself from spending so much on a brand new cover for your car when you make one for yourself.
Alternators are a good source of cash… Where I go to sell my alternators they pay me between $4.00-$10.00 each, it’s worth taking 2-3 screw or bolts off for that sort of return on your time.
