Choose a Car Wisely, you could end up saving a lot of money.
If you absolutely cannot live without a car, do your research to find the perfect car for you. Depending on how much you drive, it's not always a bad thing to buy a new car, but often there are less expensive ways. If at all possible, pay cash for a car to avoid a monthly payment and interest charges, but if you do not have the cash, look for 0% interest car loans. Never spend more than 10-15% of your take home pay on a car payment. Avoid used car loans as they have high interest rates, making it better to buy a new car to obtain lower interest and a vehicle that lasts much longer.
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