Dealers Know: Car Loans Take Priority

According to TransUnion reports, auto loans top budget priority payment lists. Even the crash of the housing market, homes loans still fall second to car payments. The mortgage delinquency rates push beyond 30 days yet this expense still takes priority over credit card debt. It makes sense. Why fall short on secured loans when there is personal property at stake? Credit bureaus are not the only eyes watching this trend. Car dealers have taken notice and they are taking advantage of consumer’s eagerness to pay.

Dealers will push a brand new car. Who can resist the smell and sleek interior? It’s a nice thought to be able to get all the latest bells and whistles. It’s okay if your credit score is less than perfect. Dealers have the proof they need that customers are willing to make their loan payment. The salesman will make it is easy to afford the installment loan payment even for those with sub-prime credit. By extending the term of the loan to 5 – 7 years, the finance department will manipulate the payment plan to fit your budget. You probably will never even notice what interest rate you are paying. The excitement of a loan approval will often fog those details. Long loan terms equate to lots of interest charges. It’s a small detail the finance department will probably choose to omit from their convincing speech. Don’t want to pay the extended interest payment? The dealer will understand and lead you to the used lot.

There is a sale’s pitch waiting for the buyer in a used lot as well. Many car lots only focus on used vehicles. Dealers know that many consumers don’t want to drive off the lot and immediately lose a chunk of the car’s value. A used car is not only more affordable than a brand new one, but you can get a reliable vehicle for a lot less money. Consumers ditch the brand new car smell for more affordable payments. As with new cars, finance plans can create very low monthly payments using extended terms. A smaller payment will help the budget. Car shopping, whether used or new, is an exciting time.

Customers are willing to make their car payments. Dealers take advantage of this situation by inviting sub-prime customers to their lots with pre-approved loan notices. Similar to credit card companies, pre-approved notices are mailed to attract new customers. Higher than average interest charges are welcomed for many who thought they would never be able to buy a decent vehicle. The dealer understands. Not only are the offers high interest, but the loan itself is secure with the vehicle as collateral. Dealers are in a win-win situation when offering a hand to those with credit challenges. It doesn’t matter to the salesman that the customer may not be able to afford other living expenses. They have their own paycheck to worry about.

What consumers should consider before purchasing a car –

– Loans with terms longer than 60 months. The final ending price inflates from interest costs. Pay extra whenever possible to decrease loan term.

– Pay attention to interest rate costs. You pay attention to credit care and payday loan interest, do the same for your car payment. Shop around for a better price or hold off on your purchase until you can raise your credit scores.

– Refinance if your credit improves over the 5-7 year term loan.

– Make sure you can afford maintenance and upkeep. Parts and labor are more expensive for higher end cars.

As good as it feels to be able to buy a car, the rest of your budget must keep up. Focus on making good on car payments so you don’t forfeit the vehicle as collateral. Make sure that extra cost will not interfere with all other budget demands as well. A smart budget shopper will fit it all in.

Balancing Priorities

The third key to reducing that feeling of being overwhelmed is to balance your priorities. Too often work and taking care of others squeezes out time for taking care of yourself. By balancing your priorities, you ensure that you take care of yourself first allowing you to be more effective in your work and more available for your loved ones.

Determine Your Priorities
The first step is to determine what is important to you. Take a moment to write down the 5 things that make you feel best. Your list may include items such as exercise, time with friends/family, relaxing with a book, introspective time such as meditation, breathing or prayer, and eating nourishing foods.

Schedule Your Day
Begin each day with one of your priorities. Make the commitment to yourself to always do something for yourself at the start of each day. This nourishes you so that you can be your best for everyone else.

Schedule Your Week
At the beginning of each week, schedule time throughout the week for your other priorities. Perhaps you have lunch or dinner with a friend, schedule your exercise time so there are no excuses and allow time for grocery shopping and nourishing food preparation.Plan your weekly menu and enjoy your healthy leftovers for lunch.

Remember Your Priorities
Write your priorities on a few index cards and post them on your computer, on your calendar, in your bathroom and in your kitchen. Whenever you have to make a scheduling decision take a moment to ensure you are not crowding out your own priorities.

When you balance your priorities you fill your tank so that you can then do your best work, support your loved ones and enjoy your life.

All my best,
Jacqueline

Comparison Shopping Secrets – That Force You To Pay The Lowest Prices

The technique of all well-informed shoppers is comparison-shopping. In fact, it’s the only way to be sure of paying the lowest cost. But not all comparison-shopping is created equal. In this article we’ll cover the correct way to comparison shop and the 7 habits of the intelligent comparison shopper.

One of the biggest assets of comparison-shopping is planning. Planning your time, your moves and your goals. The more time you have and information you collect before shopping – the better your results.

When you fail to comparison shop you’ll almost always pay too much. That’s the price (pardon the pun) of ignoring the advice in this article.

Here’s 7 Guidelines for Effective Comparison shopping that save you money and time.

1. Don’t comparison-shop when you’re in a hurry.

Hurry up shopping is always expensive. People who shop while rushing find it harder to comparison shop. As a result, they overpay for products and services. When you’re in a hurry or in a rush it’s difficult to negotiate effectively and it’s almost impossible to save money consistently.

2. Research before you shop.

Well-informed shoppers make it a point to research before they buy, especially big-ticket products or services. With the internet, research comes much easier for the intelligent shopper of today. So use this modern day tool to your advantage. Also use the many search engine comparison sites available.

3. Don’t depend on commission salespeople as your main source of information.

One of the biggest mistakes most consumers make is to depend on the advice and consultation of commissioned salespeople. Doing this will limit you to a one-sided view of available options, prices, and choices. That’s why it’s important to follow step 1 and step 2.

4. Make sure you’re comparing Apples with Apples.

You want to get the most accurate view when comparison-shopping. Make sure you’re comparing the exact qualities, features, and benefits of products against each other.

5. Evaluate your needs vs. your wants.

Before you take your first shopping trip, sit down and list your needs. Or what’s the minimum features you must have in the product or service. On the other list write down any wants you may have after you satisfy your needs.

6. Evaluate your priorities in order of importance.

As a continuation of step 5, place your list of needs in order of priority with number one being your most important priority above anything else. In other words if you can’t achieve your priorities that’s the deal breaker. Next, list your priorities for the rest of your needs and wants.

7. Establish your limitations.

This is an important step. Many people make the mistake of not establishing limitations on what they plan to spend. As a result, they overspend or buy products or services they’re not satisfied with.

If you take the time to follow these comparison shopping tips you’ll find yourself paying the lowest prices for products and services. You’ll also enjoy your purchases more because you took the time to think through your purchases. Congratulations!

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