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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: Shop for airfare on Tuesdays and Wednesdays, says Travelzoo's Senior Editor Gabe Saglie. Most airlines publish their sale fares on Tuesday this is when competition to match those fares begins each week.
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