Posts Tagged ‘Money Saving Tips’

Car Maintenance Tips For Those Who Know Nothing About Cars

Wednesday, June 3rd, 2009

Modern cars are significantly more complex than their counterparts from the 1960’s and 1970’s, and working on them is an even more specialized discipline. The modern mechanic needs a laptop computer as much as he needs a tool box, and for this reason even those with a decent aptitude for working on engines are opting to have their repairs done by a professional. Still, there are a number of simple car maintenance steps that anyone can do. These simple tasks will go a long way toward preventing trouble which saves you time and money as well as resulting in a safer driving experience.

–Wash your car often: While the exterior of your car isn’t as important as what’s under the hood it’s still necessary to take care of it. A clean car looks better, of course, but it also helps in a few practical areas. Keeping your windshield clean inside and out, obviously, is crucial for safety. Washing you car often keeps your headlights clean. And, of course, frequent washing helps prevent rust and corrosion extending the life of your vehicle.

–Clean the undercarriage of the car: This is especially true if you live anywhere it snows”all of the salt and other gunk your car gets underneath it will rust out your body faster than anything. I dont care how cold it is, you should give your car a good bath at least once a week during the winter, and make sure to get underneath the wheel wells and the undercarriage of your car.

–Wash your engine: Not only is your engine subject to the same ‘threats’ as the exterior and undercarriage of your car, it also collects crusty oil, battery acid and a variety of other contaminants. Keeping your engine clean will not only protect against corrosive damage, but will help your car run cooler and more efficiently. Wash your engine every time you wash your car, and let it idle before you start driving to allow it to dry completely.

–Clean your air filter and change it often: Change your air filter every time you change your oil filter. Some might argue that changing it so often is ‘overkill’ but filters are so cheap why not err on the side of caution? In between filter changes its a good idea to give your filter a good spray with a compressed air hose and blow out the filter chamber at the same time. The clean air will help your car’s engine run cooler and more efficiently.

–Check and change your oil: Back in more civilized times, a full service gas station would check your oil every time you filled up. You should do the same. Change your oil frequently”at least every 5,000 miles and better still, every 3,000 miles. Change your filter when you change the oil or youre going to be pumping clean oil through a dirty filter which doesnt do you a bit of good. Oil changes are a pretty easy job even for those without much of a mechanical background, and drive thru oil change businesses are ubiquitous in any decent sized market. Most of these places do a decent job and charge a reasonable fee. Many also take care of several other of the maintenance tasks on this list.

–Check other fluids: Change your anti-freeze/coolant every year, and check the reservoir every week or so to make sure it’s full. Also check transmission, brake and power steering fluids at least once a week. Top them off if necessary.

–Take good care of your tires: Check your air pressure levels with a tire gauge at least once a week, keeping them filled to manufacturer specified levels. Check the spare tire–if you have a ‘real’ tire as a spare make sure it’s properly inflated, and even if you have a ‘donut’ temporary spare make sure it isn’t damaged. Rotate your tires every few months or more frequently if you drive a lot of miles. This will insure even wear, and along with proper inflation will prevent countless problems as well as saving you time and money.

Emergency tools and equipment: Despite your best efforts to the contrary, things will eventually go wrong. When in does, youll be glad that you planned ahead. These items should be in your trunk at all times: tire gauge, pliers (slip-joint and needle nose), adjustable wrench, flat head and Phillips screwdriver. Dont buy cheap tools”theyll break and the least opportune times. Invest in Craftsman tools or another premium brand, and youll be set for life. Youll also need a flashlight, and if you live somewhere it snows its also a good idea to have salt, sand, a small shovel, and a blanket just in case you get snowbound and have to sleep in your car. A cellphone charger is also a good thing to have, since a cellphone doesn’t do much good if your batteries are dead. There are also ‘emergency’ cellphone chargers that don’t require a power source.

–Auto club membership: Just a great investment that will pay for itself the first time you lock your keys in your car or need a tow. AAA is the best known, but there are many others. Most credit card and cellphone providers offer this type of service, and a growing number of car manufacturers including VW and Mini Cooper offer it free of charge for new car buyers. At minimum, they should offer free towing, trip continuation insurance, lockout service, free maps, and some other bells and whistles. Keep in mind, however, that all roadside assistance companies aren’t created equal. Compare what they offer, and consider the type of driving you do–if you frequently travel through remote areas you’re better off going with a bigger company due to their larger network of covered providers.

These tips are all things that anyone can do, even without more than a basic knowledge of how a car works. Regular car maintenance will prolong the life of your vehicle and help maintain its value, provide a safer and more enjoyable driving experience and save you money in the process.

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How to Afford your New Car

Wednesday, August 6th, 2008
New Car
Andrew Regan asked:


Does this sound familiar? You’ve been thinking about getting a new car for ages but you’ve never quite got round to taking the plunge. There are always other things that need to be paid for – every day bills, that summer holiday you’ve booked, and even some new clothes to keep up appearances in your job.

If you’re in this situation right now then it might be time to sit down and create a plan of action to help you turn that new car into a reality. Block off a few hours where you won’t be disturbed, grab a pen and a notepad and use the following steps to get you closer to your goal.

The first area to look at is your household bills. You can often save a lot of money here. Make a note of what you currently pay and go online to do a price check to see how much you could reduce your payments by if you swapped companies. Keep this saving in mind as it can be put towards paying for your new car.

The same applies to any credit card bills you have. If you don’t pay the balance in full every month you could be paying a fortune in interest. Move the balance to an interest free card and you’ll free up another sum of money to fund the purchase of your next car.

You can also approach the issue of finding the money for a new car from another angle. There are plenty of excellent value car finance deals on the market which will enable you to get your next car much sooner than you think. If you combine a good car finance option with the money saving tips mentioned above you will probably find your monthly payments can be met with the money you’ve saved.

You can also save money quite easily by shopping around for your car insurance. If you can get an idea in advance of the type of car you want to buy, you’ll be able to get rough quotes to go on when you’re figuring out what your outgoings are likely to be on your new vehicle each month.

In this sense the repayments on your car finance agreement won’t be the only thing to consider. You could find that by changing the type of car you buy and reducing your insurance payments (and perhaps even paying less in road tax) you could afford a newer car than you’d otherwise be able to.

In short, whatever financial situation you are in it’s more than possible to buy a new car if you take the time to work things out in your favour. All you need is perseverance, the right information and the best finance quotes you can find.



MOLLIE

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