4 Top Tips For Single Moms Buying Cars

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Buying a car can be a daunting and confusing task for single moms. To keep people from taking advantage of you follow these tips:

1. Do the Math

If you keep a budget, look it over and see what you can afford to spend on a vehicle. If you don't have a budget, make one. It's important that you keep within your means and not over spend. Keep in mind that you may need a down payment and may need to save for it. Sometimes you can find special deals like no money down. But if you can put money down, this will lower your payments.

If your main source of income is from child support and/or alimony, you will need to find dealerships that offer in-house financing. Most banks will want to see a "job" on the application before they approve a loan.

2. Unload Your Old Car

Trade in value of your car will be a lot less than private sell value. You will get more money from your old car if you try to sell it yourself first rather than offering it as a trade-in. If you are making payments on the vehicle, and you sell it you will still need to make enough to pay the loan off. People trading in vehicles that owe more than they are worth will have to make up for that amount in the trade-in. This is called being upside down. Selling it outright you might can break even or make a little more if you are lucky how to save money as a single mom.

3. Pick Your Car and Run With It

The most important tool to carry when buying a car is information. Absolutely know what you are looking for, do research before you go to the car lot. Narrow your search to 3 cars that would work for you. It's not enough to know which cars you like. Know the price you are willing to spend and know the value of the vehicles you will be test driving.

4. Stick to Your Guns

Now you're ready to go to a dealership or private seller and start buying a car. Keep the goal in mind - you have your list of vehicles you've researched. You have the list of prices - know what they are worth (kbb.com will tell you that) You're not a buying a car for the dealer's benefit. Test drive the cars you like, and keep your cool.

If you're buying a used car, always ask if the car has been inspected, and if there is a warranty. If you're buying from a private seller, it's a good idea to have a mechanic or handy friend check the car over before you buy.

Then all that's left is to sit down and negotiate the price of the car. Have you total in mind and keep that goal. Then sign on the dotted line!

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