Blog

A man with his hand on the engine of a car with the hood open.

Whether you’ve just purchased a brand new vehicle or have something preowned, it’s important to protect your investment. Major car repairs can cost you thousands of dollars out-of-pocket, but keeping up with routine maintenance helps to reduce those horrific, unexpected expenses.

Routine car maintenance can help eliminate those crazy repair expenses and will ensure your vehicle has a longer life. While there are variables (like where you live, your driving habits, even how hot or cold it gets outside), we’ve compiled a vehicle maintenance schedule based on mileage intervals.

If you have a bit of technical or mechanical ability, many routine car maintenance items can be done at home and can save you even more money. YouTube is an excellent resource for finding DIY repair procedures for your specific vehicle. If you’re looking to buy a brand new vehicle, many times dealers will offer free maintenance with your purchase (or you can negotiate during the [...]

A couple looking over bills piled on a coffee table.

There is no worse feeling than having a vehicle repossessed. Watching a car get towed away due to nonpayment or, worse, waking up to find your vehicle missing from your driveway is an awful experience. Coupled with the fact that you now do not have a car, people can find themselves in a terrible situation very quickly. There are ways forward after a vehicle gets repossessed and there is a possibility you may be able to finance another rather quickly, but a history of repossessions can be a major credit hurdle to overcome.

WHAT IS A REPOSSESSION?

Whenever you finance or lease a vehicle, you sign a contract between yourself and the lending company. This contract stipulates the amount financed, the term it is financed for, interest rates, and other financial terms. Purchase agreements also include provisions for the lender to recover costs and expenses should you default on your payments.

If you should ever [...]

Three credit cards stacked on top of eachother.

These days it seems plastic is king. With products like ApplePay, Google Pay, Zelle, Venmo, and CashApp it is fast and convenient to move (and spend) money without ever touching actual cash or change. Consumers in the US have become more reliant on plastic, in particular credit cards. A study from September 2020 shows that 70 percent of Americans currently have a credit card. The same study shows there are 1.06 Billion credit cards currently in use nationwide, an amazing statistic.

But when it comes to using a credit card, most people fall into two categories: using the card for everything or using the card for nothing. As with most things in life, balance is important. If you’re using a credit card for everything, you can land yourself in a revolving credit nightmare with an increased chance you won’t be able to meet all of your monthly bills. If you have credit cards but don’t [...]

Stack of money and toy car on table

Value is important now more than ever and if you’re in need of transportation, buying a car on a budget is a must. There are several factors that must be considered before any large purchase, but vehicles often come with additional expenses you may not be aware of prior to buying.

FIGURE OUT YOUR BUDGET

The first step in buying a car on a budget is to figure out what you can afford. Vehicle cost aside, you have to figure in maintenance expenses (oil changes), possible future larger repair costs (tires), insurance expenses, and even how much you’ll spend on gas. 

For general maintenance, AAA estimates budgeting around $100 per month. This includes oil changes and tire rotations and allows for a cushion for future unexpected expenses. If you purchase a vehicle that comes without a warranty, its a good idea to set aside more savings in case of a major repair being needed – [...]

Happy female behind the wheel of a car.

Knowing the basics of driving and vehicle operation might be enough to get a driver’s license, but it’s not enough to keep you safe. Whether you’re newly licensed or you’ve been driving for decades, it’s easy to have bad habits. Getting too comfortable behind the wheel, feeling invincible, or thinking the rules of the road don’t apply to you are likely to get you or other drivers killed. Driving is a big responsibility and should be treated as such.

Here are three critical safety skills every driver must know:

SMOG. When changing lanes, the SMOG systems is a great way to keep safe. It teaches drivers to SIGNAL their intention to change lanes, check their MIRRORS, look OVER their shoulder to check their blind spot, and then, when it’s clear, to GO. A driver should be able to see the entire front end of a car in the rearview mirror before moving in front of [...]