Have a number in mind

The person selling the vehicle, be it dealer or private, has a number in mind. You need to do the same. If you don't, it's not a fair fight.
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Prospective employers

Prospective employers check your credit report. How does yours look?


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Budgeting

Budgeting an irregular income is harder than budgeting a set amount income. But, it doesn't get you out of having to do it.

Remember, while the income may bounce around your fixed expenses don't. Housing, utilities, food, gas and oil remain pretty constant. Tackle those first and the others will fall into place.
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Sensibility Saturday and Sunday

Sensibility Saturday and Sunday follows Black Friday.

This is when you take back those things you bought on credit on Black Friday.

You’ve had your fun buying them, but it’s time to take them back.

They aren’t yours and you know better.
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Don't spend what you don't have

"Black Friday” is so named because it is the day retailers make their money. If you are participating it is only with cash and with a set budget on what you are going to spend. The day is full of pitfalls to get you to spend more than you have. So who’s going to win here? You or them?

Don't spend what you don't have!
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Budgeting an irregular income

Budgeting an irregular income is harder than budgeting a set amount income. But, it doesn't get you out of having to do it.

Remember, while the income may bounce around your fixed expenses don't. Housing, utilities, food, gas and oil remain pretty constant. Tackle those first and the others will fall into place.
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Win/Win

When you're car shopping scour the private sales in the paper. There are a lot of people selling cars they can't afford. You get a good deal and you're helping them address their debt. Win/Win.

If you're upside down on your car and the payment is killing your chances of success then get rid of the car. Price it for private sale and move on.

Your next car may be a clunker, but it will be yours free and clear.
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