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TIP: Buy a used vehicle; preferably 3-4 years old with a maximum payment term of 36 months. If it takes over 3 years, you can't afford it.


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Savings Tip: Buying something big with zero money down is financially irresponsible. It might seem awesome that you can get a new TV for no money out of pocket today, but it's pretty dang stupid to do so if you're paying interest on the balance. Never make a large purchase with no money down. It will cost you big time in interest charges.
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