Month: November 2022

Automotive

The first step to any budget is getting some information on paper. You should already have a budget written out for your everyday bills and debts, but if you don’t, download a free template now and get it done. Of course, once you start the new one, or update the old one, some of the times you will have to budget for will just be an estimate.

Once you actually get a used car and everything that goes along with it, you will have to create another new version. That is what budgeting is all about, though. It is never set in stone because it must be adjusted as you move through life.

With that in mind, let’s take a look at some of the things that you will have to add to your budget

• Take Home Income – One of the first things on any budget will be

Up to 16 percent of Americans currently have bad to fairly bad credit, which is about 108 million people with a FICO score of 300-579. 

In addition, no credit at all can reflect badly on your ability to make payments. 

But as Yahoo News states, many people feel stuck in a catch-22 when it comes to improving their credit. 

But there are steps to take to return to a healthy above-670 credit score. 

In this article, we will share some ideas on how to get a car loan even if your credit score is lacking.

Check (and Improve!) Your Credit Score

It’s important to know your credit score first before you decide the next step. If you have low credit, it’s not the same thing as repairing a number of debits.

Taking proactive measures to make sure your bills are paid on time, and reducing your debt through utility

The new Euro 7 emission standard proposal has been released, although negotiations are ongoing. Once a final version is agreed upon, it is expected to be implemented in 2025. As part of the process, the European Commission (EC) assembled emissions experts from across Europe to independently assess the shortfalls in existing car and truck emission standards. This group, the Consortium for ultra Low Vehicle Emissions (CLOVE), was asked to propose new emission limits and tests based on what is both economically and technically feasible.  

Car manufacturers have fiercely opposed the CLOVE proposals, lobbying against a stronger Euro 7 emissions standard and changes to car design, according to The European Federation for Transport and Environment. The federation warns that if the car industry is successful in weakening Euro 7, Europe risks putting almost 100 million more high-polluting cars on its roads in the decade between 2025 and 2035. 

Real

With the current state of the markets, the buyer is spoilt for choices in both new and old cars. Many people have their eyes set on a specific model and even the year of the car. Getting your hands on the car of your dreams can be a difficult thing, but the feeling of driving the car of your dreams into your driveway is like no other.

Read on to learn more about how you can make your dream a reality without busting your carefully laid budget with cheap car finance.

Option 1: Credit card

Before you attempt to take out a car on a credit card, you will need to make sure that the agency you are working with accepts credit card payments.

One benefit of this route is that your credit card company can add protection for the full cost of purchase — so long as

It is important for every motorist to have a strong understanding of the different types of car insurance so that they can find the right coverage for their needs. Car insurance is a legal requirement, but there are different levels of cover as well as a few optional types of coverage that should be considered. Read on for all that you need to know.

Third-Party Insurance

The most basic level of coverage is third-party insurance. Essentially, this is car insurance that will provide coverage for damage to someone else’s car or property and injuries caused by you to others as well as injuries to any passengers. While sometimes this is the cheapest option, this is not always the case as it is often the level of cover used by those deemed higher risk and this can push up premiums.

Third-Party, Fire & Theft

One level up is third-party, fire and