Solve Your Car Buying Challenges ~ With a Strategic Budget

Jan 12, 2021

Hey there! 

So you’ve decided to start planning for a car purchase and need to come up with a budget to make everything work within your financial goals. 


You are in the perfect place to achieve that result.

Let's Jump in!

Make a Budget

Create a budget worksheet to see how much you are spending and bringing in from month to month. This is a great way to manage your finances and really see the true numbers to determine your position. This is also a great time to clean house and cut loose expenses that no longer serve you and where you are going. 

Not a bad time to think about adding some side hustle cash flow to your income too. If you want to make your investment work for you think about companies like Uber, Lyft, Instacart, Doordash, Grubhub, Postmates, Turo, HyreCar, DriveShare & Wingz to bring in cash with your car. Want to continue to save a bit more before you commit to a vehicle purchase, try using something like for...

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The 4 C's of Credit Worthiness ~ Know Your Worth

Jan 07, 2021

Darling, never ask permission to wear the crown. There will always be someone who can’t see your worth. Don’t let it be you.

Now chin up and get invested in yourself.

You have decided it’s time to purchase a vehicle and where do you begin?  I know it seems like you pick an amount you can afford a month and then everything starts to form around that number. 

Well…. there are quite a few steps in between that are crucial to maintaining your money goals, getting what you want and what fits your style of living. 

First things first, get your income and expenses in check and clear out all the unnecessary costs that you have accumulated so you can get the best outcome for your future.

Then, decide on how much of what you have left over you are willing to spend on a car and all the expenses that come with it. 

Now that you have those numbers in order it’s time to find out how credit worthy you are and how much that gets you. 



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Monthly Car Payments (what can you afford)

Dec 29, 2020

Ever wonder exactly how to determine what your monthly car payment should be?

It is a matter of your monthly and annual income and how much of that you can afford to spend.


The first thing is to get your budget in check and see how much you are spending vs. bringing in. This will give you a clear picture of where you stand financially before you make any decisions. Also you will have an opportunity to get rid of some expenses and perhaps lessen some others. Since we are nearing the end of the year this is a good as time as any to do some financial housekeeping.


Once you get your expenses in order you can then see what you are saving for retirement, college, vacations and all the other things on your list. After all is deducted and you have a final number you can then decide what percentage of your annual and monthly income you would like to spend on a vehicle purchase.


Don’t base a purchase only on the monthly payment and do not go shopping and say I can...

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Is Leasing a Car for Me?

Dec 18, 2020

Miles & MIles & Miles, oh my


First, what are the miles driven annually as of right now in your current situation.

Are you in a secure job and what if you change jobs and your commute becomes a longer distance.

Also, where are your family and friends located and will you be doing a lot of visiting / road trips to get to them.

Where are you located and are you renting or have you purchased your home and do you plan of moving at any point in the near future which would change you distance to your job and family.

If you have children are they getting to the age of hanging out with friends, participating in sports, or on the verge of getting their permit, which would all lead to unforeseen mileage being racked up

Don’t forget to allot for any road trips you plan to take during the year(especially beach days)


Am I Neat & Organized


When you lease a vehicle it must be returned in the exact way you purchased it minus your mileage allowance and basic...

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How to Protect Your Vehicle During the Winter Months

Dec 05, 2020

We are going to give you some quick and painless tips to keep your vehicle safe and running during the arctic below zero temperatures we are experiencing this winter. 


No one likes being trapped on the side of the road in freezing weather & terrible conditions, so here are a few things you should know about and get done to keep you safe and happy! 

#1) Your Battery


  • Have it tested if you are getting serviced - Make sure it has a good charge
  • Make sure the terminals are clean from debris 
  • Check Manual for proper CCA = Cold Cranking Amps 
  • CCA refers to the number of amps a battery can deliver in cold temps ( find the # on the battery)

#2) Oil & Fluids 


  • Always refer to your vehicle’s owners manual for specific recommendations of service & replacement requirements of your particular year make and model. This will reduce unnecessary expenses for things that will last you a substantial amount of time.


OIL: Check...

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Underwater Car Loans - Sink or Swim

Nov 26, 2020

Underwater Car Loans : Sink or Swim


Is your car loan more then your vehicle is worth? Well if so then you are what is known as underwater or upside-down in your loan. Let’s discuss a few options to get you back on track and make sure this never happens again!


First we will need to figure out the actual current value of your vehicle. Grab my vehicle value worksheet to get you started.


Now that you have figured out it’s value let’s see what your options are.


#1.) You can sell the vehicle for what it’s worth and write a check for the difference and be done with it. The only thing with this option is that you are left with no vehicle. If you have wonderful public transportation and can make due without the use of a vehicle then that is a great option why you recoup your losses. Now you can save and buy again  (and buy right) when it makes financial sense.


#2.) Roll the negative equity into a new (used) vehicle...

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Lemonade Out Of Lemons - Manufacturers & Dealers - Selling You Lemon Law BuyBacks Without A Trace

Nov 23, 2020

Do you know what a lemon law buyback is?  It is something I have been seeing a lot of lately and it seems most people don’t know what this means.

These are vehicles that have been reacquired by the manufacturer because they have been deemed defective by lemon law standards. Vehicle manufacturers buy back thousands of vehicles every year because they either could not be fixed or are irreparable.


That’s where the unlucky consumer who thinks they are getting an amazing deal purchases these buybacks unknowingly. The vehicles can be resold to the public fixed or not and most likely there is no way to tell it was a lemon buyback.


Few states require any type of branding on the title when a vehicle is “repurchased” under a state’s lemon law. It gets better….. If there is any such discrepancies a simple transfer of the vehicle to a non-branding state gets it removed. Keep in mind that Lemon is not the term they use for this...

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Decode A Classic

Nov 20, 2020

Ever wonder how to determine if a classic car was restored to its original specs? I will show you how to figure out what this 1967 Chevy Camaro looked like when it was originally built.


In this particular vehicle there is a cowl tag located under the hood on the drivers side firewall.

This one is painted over but still legible enough to get the numbers and letters  to make out the original specs.


This tag will describe the basic characteristics of the vehicle:


Build Date: May 5th week of the month


Model: 1967 SS Model  Assembled in Norwood Ohio

Seats: Standard bucket seats / standard A50 Strato bucket seats with NO headrest.


Color:  G-G = Granada Gold inside and out


Options: Center Console Automatic Trans.


This little tag will give you a lot of information on a vehicle and I always find them interesting and love investigating all the codes and numbers.


It is important to find all the plates and stamped vin's...

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Essential Oil Car Care

Nov 13, 2020

I decided to try out the car humidifier / essential oil diffuser since I looove the one I have for my home and office. I went through the reviews of several until I found one that had pretty positive results and wasn’t too costly. Well, the results are in and I must say we love it!! I had a cold for many weeks and decided to use the mint essential oil and it was amazing!!! Even my two boys loved it!


I waited a few weeks to post this so I could thoroughly test it out and make sure it would hold up and it totally did. I absolutely love it and can’t wait to try out some more scents as the seasons change. This product works great and I love the fact it’s chemical free and good for our driving environment, mentally and physically.

Make sure to check the amazing benefits of essential oils in this article.

Cheers to a happy...

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Vehicle History Reports - What They Mean & How To Understand Them

Nov 09, 2020

A Vehicle History Report gives the past and current information of a vehicle. It can include or possibly not include many details about a vehicle.

  • Past Owners
  • Odometer Readings
  • Liens
  • Accidents
  • Flood Damage
  • Vehicle Title History
  • Fleet / Rental History
  • Stolen
  • Salvaged
  • Dates of Service
  • When & Where the Vehicle Was Registered
  • Recalls
  • Warranty
  • Air Bag Deployment
  • Dates Sold (You can see how long a dealer has owned it Or how long it has been sitting)
  • Dates of New Vehicles Delivered To Dealers

The recorded history of damage to a vehicle will impact the value  regardless of the significance the damage. This amount could be anywhere between 10-30% less of its market value due to its history. Major or structural damage would have more of a severe loss then a minor fender bender.


When you are involved in a minor accident, where it is completely safe to drive away you may want to rethink calling the police, filing a report and going through your insurance company for repairs....

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