Category Archives: Budgets

Wood blocks put together to spell the word "Budget"

How to Create a Personal Budget

Tips for Determining How Much You Can Spend Every Month

In our modern age when most transactions are done digitally, it can be hard to tell whether or not you can afford a purchase. It’s even harder when your income fluctuates, such as working for commissions or tips. Whether you wish to control your spending or want to see where you can save money, here are a few tips for creating your own personal budget.

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Stack of coins next to blue toy car

What are the Benefits of Financing for a Vehicle In-House?

Advantages to Financing Directly with U.S. Auto Sales

Finding the right car takes a lot of time. Finding the right deal for that car can take even longer. You may wonder how you will finance for a vehicle or whether a car fits your budget. While many car shoppers will opt for financing with banks, these buyers often find themselves missing out on various advantages to financing directly with a dealership like U.S. Auto Sales. What exactly are the benefits of financing for a vehicle in-house? Here are several reasons why shoppers choose to finance directly with us.

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Person signing a car loan contract

Should I Choose a Short-Term or Long-Term Car Loan?

Short-Term vs Long-Term Car Loans

Ideally, car shoppers would buy their vehicles outright with cash in full. Of course, this isn’t realistic for most drivers. Thus, car loans are available to help shoppers finance for their vehicle with a payment plan that is affordable. Granted, not every car loan is the same and you may receive a few different offers. To help you select a car loan, we will focus on the advantages and disadvantages of both short-term and long-term car loans.

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Cars parked at a gas station

How You Can Save Money Buying Gas

Best Time and Days You Should Visit the Gas Station

For those on a tight budget, or those that wish to save some extra cash every month, getting the best prices on necessities like gas is important. A fact unknown to many drivers is that gas stations often sell gas for cheaper prices at certain times and days of the week. Here are a few things to consider so you can save money buying gas.

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Happy teen driver at the driver's seat inside a car

Tips for Buying a Car for the First Time

Things that You Should Know When You are a First-Time Car Buyer

It’s a very exciting time to be able to shop for your very first vehicle. With this big step, it’s important to know what you should watch for and shop for. To help make your first car purchase memorable, we have a few financial tips for first-time car buyers that you should know before making the final decision.

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Toy car on top of stacks of coins with a pen and car keys nearby

What is the 20/4/10 Rule for Buying a Car?

Recommended Budget Rule to Follow for Purchasing a Vehicle

Whether it’s your first car or fifth car, it’s important to always stay within a budget when shopping around for a vehicle. However, it’s not obvious how much you will be able to afford with a certain income. How do you figure that out? With the 20/4/10 rule, budgeting for a car will be easy. Below, we will describe this recommended budget rule in further detail so you have a full understanding of how you can create a budget for your next car purchase.

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Woman working on a laptop

How to Get a Car Loan with Bad Credit

Online Pre-Qualification at U.S. Auto Sales

Are you in the market for a reliable vehicle? Do you have struggling credit? No matter your credit score, you should be able to get access to a car you can afford and depend on for work, school, and running errands. However, getting qualified for a car loan can feel daunting if you don’t have excellent credit. Here’s how you can get a car loan with bad credit with our online pre-qualification application at U.S. Auto Sales.

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Person handing a car salesman money for a car

How Much Should I Put Down for a Car?

Pros and Cons of Large and Small Down Payments

You may have found the perfect car for your needs and comfort. Perhaps you even got qualified for a car loan. As you close the deal, the question of how much you want to leave as a down payment is raised. How much should you put down for a car? Ideally, you’d want to put down around 20% of the purchase price. What if you have more than 20% of the cash saved? What if you have less? Here, we will explore the pros and cons of making large and small down payments.

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