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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: Limit debt. If you use debt, use it wisely. A mortgage is not a bad thing, and neither are student loans. A car loan is borderline, and borrowing to buy a television is foolish.
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