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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: Whenever you're considering making an unnecessary purchase, wait thirty days and then ask yourself if you still want that item. Quite often, you'll find that the urge to buy has passed and you'll have saved yourself some money by simply waiting.
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