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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: Your tax return isn't free money. A tax return isn't a financial boon meant to be spend frivolously. It's simply your money that the government is returning to you. Spend it as wisely as you would a paycheck.
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