About Ellie Kay Adventures Consumer Debt Couples Credit Credit Card Entertainment Family News Heroes at Home Heroes at Home Financial Event Tour Podcast The Money Millhouse Podcast
December 5, 2017
The Kay Family had five babies in seven years. That roughly adds up to 3 kids in diapers at once, 10 years of not sleeping through the night, 4 teenage drivers at the same time, 3 kids in college at once and today, we have 5 millennials in their 20’s simultaneously.
Fun .
But the good news is that they eventually slept, pottied, drove, graduated and even mastered money habits in the journey. Here are the habits we helped teach our millennials to make sure they didn’t have to move home, they could remain financially independent, have a great start for their families, and still buy their mama nice birthday gifts.
Habit #1 – Create and Live By a Spending Plan
Many millennials have heard of the value of creating a budget and even have apps that help. But it’s of little use if they don’t know how to stick to it. Here are my favorite apps to help:
You might need a money buddy to stay on track, too. Tiffany Aliche, The Budgetnista, talks about her journey on our fun podcast The Money Millhouse and how she went from broke to anything-but-broke through techniques that kept her on track.
Habit #2 – Cook Creatively and Consistently
Money evaporates when you order out for lunch or dinner more than one or two meals a week. Bob took leftover dinners (the
re’s a microwave and fridge at work) for our entire marriage and we calculate that he’s saved $20,000 by doing this! Make Pintrist your pal or watch The Food Network to learn easy ways to create nutritious and tasty meals. Ask for an Instant Pot for your next birthday and make more than you need for dinner so you’ll have leftovers for either lunch or dinner later in the week. Or freeze the leftovers. My daughter lived with roommates for a few years and they would assign different nights for each of them to cook to simplify the work. Cook more and your wallet and your waistline will thank you.
Habit #3 – Care About Your Retirement
When we take our Heroes At Home Financial Event on the road, we teach young service members the miracle of compounding interest with the mantra: start early, start small and stay committed. Be sure to start with funding a Roth IRA and take advantage of your company’s matching portion of your 401(k). Lacey Langford, an Accredited Financial Counselor gave some great tips on a segment called “I Aint Afraid of No Money.” She discussed retirement planning from her experience in working with the military (but many tips apply to civilians as well.) If you’re military, be sure to go into your Family Readiness Center to discuss the Blended Retirement System and what your options are for your situation. It’s free and a benefit you can use early and often.
Habit #4 – Count the Cost of Debt
The average millennial college grad owes 37K in student loan debt and the average household owes $8500 in credit card debt. Work on minimizing the debt you accrue and pay off the debt you have so that you’ll have the flexibility to move or wait on the right job. One of my sons worked for JC Penney, and they eliminated his entire department. Most employees were freaking out because they had student loan debt, consumer debt and car debt—but not our son. He made a practice of living on less so he wouldn’t accrue debt and he was able to have less worry in the process of finding a new job.
Be sure you also pay attention to your credit score. Rod Griffin, from Experian, came over for a discussion on coffee and credit. He works with us on our tours and he teaches that if you have bad credit, you’ll pay an average of 360K more (over your lifetime) for the use of basic credit, than the person who has a good score. Improve your score by paying on time, paying more than the minimum balance due and make sure you never use more than 30% of your available credit.
Habit #5 – Choose Contentment
This is a tricky habit because it’s a mindset that you choose. There will always be something to spend money on to make you go off budget or get into financial trouble. There’s the new phone, tablet, car, vacay, boyfriend/girlfriend, baby, or a plethora of other reasons to want to spend more and have more. This is where your friends, family and even faith come into play. Coveting what others have or do is a lesson in futility and discontentment. Your friends either contribute to this mindset or they keep you focused on what matters most. If keeping up with their lifestyle is an important platform in your friendship, then you may want to find new friends. Remember that this financial journey is a marathon not a sprint. I’ve always said, “you can have it all—just not at the same time.”
What is one habit you are good at? What is one habit you want to improve upon? Share it with us, a friend or even a money buddy, so that you can be fiscally healthy in 2018 and for a lifetime.
Financial Readiness equals Military Readiness and whether you are a civilian or a service member, the number one financial mistake has to do with how you buy your vehicles. But if you’re smart, you can avoid this mistake and eventually drive your cars for free.
Our Heroes at Home Financial Event is in the midst of a tour where we are giving 25 presentations at 17 bases in 4 countries. In fact, you can contact us about whether we are coming to YOUR base later this year.
McConnell AFB Heroes at Home Financial Event. One of the main topics that is: What is the smart way to buy a vehicle?
Let me start by asking you the question we ask our audiences: How do you lose around $8000 in 8 seconds?
Did you get the answer yet?
The answer is: you drive your brand new car off the lot.
Yes, the average new vehicle will depreciate $8000 in the first year. Since most folks finance that new vehicle, it’s more like losing $10,000 in 8 seconds!
So WHY oh WHY do you continue to buy NEW?
Some folks answer, “for the warranty.” But if you bought the vehicle a year old, you could do two things to make up for that 12 months of warranty you lose over buying new:
A couple years ago, I was on my way to Disneyland to meet another author friend and a careless driver made an unprotected left hand turn right into my vehicle (about 5 feet off the bumper). I had NO TIME to react or even take my foot off the brake. The fact that Mercedes are so well built and the fact God sent his angels to protect me are the only reasons I walked away from this terrible crash with only a few cuts and bruises.
This accident put me back in the market for a vehicle. So this time I decided to try USAA’s car buying service. Since we had an extra car at home, I could take my time to find the best deal. The car buying service told me the price, the discount, gave me free access to a CarFax report, showed me a chart of similar cars purchased in my area to indicate an average, good, or great deal, and more. I compared the prices I saw on the site to Kelley Blue Book and did all my research. Then I followed the same three steps we teach in our Heroes at Home Financial Events.
Step One: Negotiate Price First
Negotiate the price of the car at a dealership apart from the value of the trade-in. Tell the salesperson you want to determine the price of the car without the trade-in. The reason you want to do this is because salespeople will often give you far more for your trade than you expected—thus hooking you on the deal. However, this higher-value-for-the-trade-in shtick can be part of the technique they use to get you to purchase the car. If a higher value is given to the trade, then they will give a lower discount on the price of the vehicle, because all the discounting went into the value of the trade.
Step Two: Negotiate the Value of the Trade-In
Now that you’ve determined the price of the car, ask what the dealer will give you for your trade-in. Most likely, you will get more for your car if you sell it yourself. A little elbow grease and some top-notch detailing can net you hundreds of dollars more than a dealer can give you, if you can find a buyer. Some people (like military families) don’t always have the time to sell their car because of moving schedules and so forth. So if you are going to try to trade in your car, look up the value of your existing car at Kelley Blue Book or Edmunds, then print the page (or screen shot it), and bring it with you to the car lot to negotiate the price. Bottom line: try your best to gather enough facts beforehand so that you make a wise decision.
Step Three: Secure Your Own Financing
The F&I (finance and insurance office) is where the lion’s share of a dealership’s profit is made. In this office, you will have to navigate interest rates, payments, terms, additional services, and warranties. Unless you put miles on your car for business or you are purchasing a car that will cost a lot to repair (and you intend to keep it longer than the warranty lasts), extended warranties are usually not a good value. When it comes to vehicle financing, you can generally do better on interest by selecting your own creditor unless the manufacturer is offering a lower APR. Keep in mind that the .99% APR offers only go to the top 10% of those who are the FICO score elite, chances are good that you will not qualify. The credit life insurance that dealers offer is more expensive than raising your regular insurance premium by twenty thousand dollars to cover this expense. And don’t forget to research the price of insurance on your new car so you can afford both the payment and the insurance.
By following my own advice, I talked to my sales representative and I was able to:
When are you in the market to get a vehicle, which of these tips will you follow to get the best deal?
Ellie Kay
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You’ve moved into a new place, started a new job and you’re beginning another phase of your life. The only problem is that you don’t have enough furniture for the new place and you realize you’ll also need a washer/dryer. Then, miraculously, an ad pops up on social media for a place where you can go get name brand appliances and choose from dozens of options on exactly the kind of furniture you need—all for only $21.99 a month! YEA!!! You’re saved! After all, you have a good job, the monthly payments aren’t going to break you and you deserve to make your new place comfortable, right?
Wait a minute, not so fast.
Is rent-to-own the best option? The answer is: it depends.
How Does Rent-to-Own Work?
Usually, you’re renting from a well known store, but, in most cases, you’ll have to sign a third party contract. I remember one time when we bought a refrigerator and my husband thought, “Let’s use someone else’s money at 0% interest.” The only problem was the third party contract indicated that those 0% payments were only for a fixed introductory period, then there were three options. We could buy the item, continue making payments (at 200% APR interest) or return the item to end our lease. We bought it out early, so that we were in the clear and vowed to never buy into this kind of a contract without understanding the fine print first.
Rent-to-own also means that if you fall behind on the payments, the leasing company can repossess your leased item and you don’t get any money back. There may be cheaper ways to pay because even if you have bad credit the options of layaway, sub-prime credit cards or bad-credit personal loans, which run 36% APR are better than the 200% APR of many rent-to-own programs.
When Is Rent-to-Own A Good Idea?
Despite the typical APR rates north of 200% for this kind of contract, there may be some anomalies when this option is not a bad thing for your bottom line. In fact, there are some instances, when using a rent-to-own option make sense:
Before You Sign
Let’s say that you’ve decided that Rent-to-own is the route that will work best for your budget and lifestyle. Here is your checklist before you ink that contract, if any of these are not clear are it’s revealed that they are not to your advantage, then think twice about this option. Here’s the list:
After You Sign
Let’s say you already signed a contract before you read this blog. Or, you’ve followed all the advice shared and decide that the contract will be a good option for you. Take these steps to protect yourself:
In the Kay family, we like to live a debt free life and will usually save up to buy furniture or appliances before we would go into debt. This isn’t always possible for American consumers, in which case it’s good to know the nuances of Rent-to-Own for you or those you care about.
What has been YOUR experience with Rent-to-Own?
As a seven-year-old, I launched a business where I made $10 in two weeks through extensive marketing and key product placement to my second-grade class. In 2018 dollars, that’s equal to $712—not bad for a kid entrepreneur! When my dad heard how much I’d made, he pulled my braid and said, “Good job, little moneybags!” That sparked a passion in me to earn more, save more and share more.
Fast forward a lotta years and I’m teaching my five millennials the basic skills to master in their 20s to become financially savvy and stable.
Spend Plan
It’s important to develop a budget and stick to it. Make sure it is realistic and accounts for all your spending—including entertainment, gifts and other splurges. If there’s more than one person doing the spending on the same plan, then mint has a good app you can use to track where those dollars are going. The three main parts of a good spend plan include the ability to: save diligently, share generously and spend wisely.
Squash Debt
It’s pretty basic: saving=good and debt=bad. Don’t add to debt buying things you don’t need with money you don’t have to impress people you don’t like. Instead, put all “bonus” money toward debt such as income tax returns, bonuses from work and even a happy birthday check from your Grandma. This can also help you whittle down that average student loan debt of 35K+ and the average credit card debt of 8K. By paying off this debt early in your life, you’ll avoid thousands of dollars in interest and create margin in your life. In our 20’s my husband and I made the move to one car to get ahead on debt repayment and we don’t regret doing without for a little while to be debt free forever!
Spend Not and Want Not
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Most millennials live paycheck to paycheck with a lot of financial stress hanging over their heads. You can break this cycle, even if you came by it honestly (from your parents’ example.) Readjust your mind set to look at extra money left over at the end of the month as either savings or debt repayment—not fun money to spend. As you are trying to spend less to get on track financially, you may get an extra roommate to reduce your rent payments or carpool to save on commuting. Go to happy hour for free food and be the designated driver, drinking water. Use Retail Me Not every time you buy anything (online or in a store) to get codes and other savings. Be creative in the ways you can spend less than you make each month.
Save for a Rainy Day and Beyond
Any smart millennial will have a few months savings in a rainy-day account to pay for that unexpected bill or an emergency. A super smart saver will also start tucking away money for retirement and take advantage of the miracle of compounding interest. In our Heroes at Home show, we share this slide that shows you how to invest in yourself.
Super Skilled Cooking Star
My twentysomething year olds love the food network and Pinterest. They especially like watching a client of mine, Amy Pottinger, a military spouse, compete on that network. But what’s the use of watching cooking shows if you never cook? According to the USDA Cost of Food at Home, you can save thousands of dollars each year by making your own food instead of eating out. In fact, by using apps to save money in the grocery store and getting coupons and tips from sites like The Coupon Mom, you can save even more. I added up all the money I saved over 20 years with sales, coupons, and eating in (instead of eating out) and the amazing total was $161,000, that’s enough to help put some millennials through college debt free!
Strategic Splurges
Sometimes, there’s a misconception that becoming financially fit means you deprive yourself of everything fun and there’s no room for a splurge. Not true. You are just careful about what you will splurge on. That $20 glass of wine in a restaurant can go four times as far at Trader Joe’s when you splurge on a $20 bottle of wine (instead of the two buck Chuck.) Buying clothes that fall apart after one or two washes isn’t as smart as buying quality (on sale) that will last longer. An energy efficient appliance that saves you money in the long run is a better option than the cheaper version with a higher utility bill. Read up on products before you waste your money and realize that a strategic splurge here and there can save you significant change in the long run.
So, So, Happy
One of the reasons our family could go from being 40k in consumer debt to where we could pay cash for everything (including cars and college) is because we chose to be content. The more you choose to be happy where you are (knowing that’s not where you will always be), the better off you will be financially. You don’t have to drive a new car, live in the coolest place or take a mega trip once a month. I always said, “you can have it all—but not all at once.” It’s a choice, you can drive a better car and have more roommates. You can splurge on clothes and drive an old clunker. It’s all about choices and the biggest and best choice of all is to simply choose to be content where you are right now.
How many of these habits do you currently practice?
In our Heroes at Home Financial Event tour, we work with military members to make sure their credit history keeps them flying high! Even pilots can get grounded if they can’t hold a Top Secret security clearance and they can’t hold a clearance if their credit is awry. There are some pilots with one million dollars in training assets invested in them. It would be terrible for them to have to fly their last sortie because of this important issue. But security clearances are something that every military member has to protect. That could be an expensive mistake. Thankfully, some of these issues are able to be resolved with the help of Airman and Family Readiness, but it still had an impact on military readiness.
You may not have a million dollars in national security assets invested in you, but you’re still a valuable person to your family, friends and community. Whether you are a military aviator or a mom who works from home–it’s important to regularly check your credit report from all three providers (Experian, TransUnion and Equifax). You can get a free copy at Annual Credit Report where federal law allows you to get a free copy of your credit report from each of these reporting bureau once every twelve months. The law also allows you to ensure that all the information on your credit reports are accurate and up to date.
One of our financial education speakers is the ever knowledgeable presenter, Rod Griffin, from Experian. We recently discovered something new going on
at Experian regarding enhancements to its dispute center that make it easier and faster to file a dispute. Many people do not understand how to correct mistakes on their credit reports – so financial literacy month is a good time to help educate them on the process and take away the fear that it’s a daunting or complicated task.
Here are some of the highlights of the dispute center where consumers can:
Be sure you share this with anyone you know who may have a credit report dispute and be sure that you check the credit reports on everyone in your family. Hopefully, you won’t find a credit history on your four year old daughter or 1 year old son, but identity theft is knows no age!
Knowing your options will help you with your credit report spring cleaning–especially if you find anything out of place! Once your work is done, sit back, make yourself a cup of coffee and don’t forget to join me and my co-host, Bethany Bayless in The Money Millhouse podcast for our interview with Rod Griffin, Gerri Detweiller and other credit financial experts.
In honor of military appreciation month, I’d like to highlight our Army son, Joshua. When he was born we started saying, “If he had been our first, he would have been our last.” That little boy had more energy and could get into more scrapes than all our other children combined. When he was eighteen months old, he stripped down to his diaper, took a plastic sword and chased his four older siblings around the house, thus earning the nickname “Conan, the baby barbarian.” By that age, he had also jumped off the top bunkbed (three stitches) and “flown” off our travel trailer (four stitches). Joshua was the reason we purchased a serious first aid kit. He’s now an Army Lt jumping out of airplanes at Fort Benning.
Just as every family needs a good first aid kit for those unexpected accidents, they also need a financial first aid kit, or practical ways to help safeguard their financial future.
If you’re a family with a “Conan,” then make sure you have a First Aid Kit on hand. But don’t forget the fact that your family need a Financial First Aid kit as well.
I wanted to issue a special thank you to all our military families who serve, we appreciate you!
This week, to kick off our new podcast season on The Money Millhouse, we have a special interview with Joseph Kelly from Heroes Come First that share how heroes of all kinds can enjoy rewards and grants from a program that benefits Heroes at Home.
Enjoy this great information and be sure to share the following blog from our guest writer, Joseph Kelly, with a hero that you know.
Ellie Kay, Founder and CEO
You may or may not feel like it, but as a military veteran, active duty or reserve you are designated an American Hero, and that means you qualify for significant rewards you probably are not aware of when you take out a mortgage or buy or sell a house.
Most are aware that they have VA Benefits that include mortgage benefits. And that program has some wonderful advantages. But few are aware that there are additional benefits available that can give you an extra $2,000 to the $7,000 or more without any cost or added paperwork!
A national program called Heroes Come First defines heroes as people who serve their community. This includes active duty military personnel, veterans as well as all current and former medical professionals (nurses, doctors, dentists, EMS, etc.), police officers, firefighters, first responders, teachers, and clergy.
Before I tell you how this reward program works please allow me to offer two key pieces of advice if you are considering buying a home in the next year that will save you from added stress and confusion.
1st Key– BEFORE you find of call a realtor and start looking at homes GET PRE-APPROVED from a trusted, reputable, recommended lender. (if you desire we offer this in all 50 states). Get your questions answered on your qualifications, credit, savings, options, etc. BEFORE starting to look at properties. This will allow you to make adjustments if needed and be prepared to speak to real estate professionals who will have confidence in working with you.
2nd Key– Using sites like Zillow, Realtor.com, etc. are great tools to see what properties are out there however I encourage you to be VERY CAREFUL before entering your contact information on these sites. Read the “fine print” at the bottom of the website. These companies will sell your information to multiple lenders and realtors who then will call you and email you for months! While some of these companies be ones you wish to consider it can be overwhelming and confusing as lenders buy your information as a “lead.” (FYI the program we are about to discuss does NOT sell or provide any information to other companies)
How the rewards work …
Buying a Home
There are several ways that the Heroes Come First program saves you time and money when you purchase a primary or second home or an investment property and get a mortgage to finance the purchase.
If you, or another hero you know, is thinking of buying in the next 12 months the most important first step is speaking to a pro-hero lender and getting “pre-approved” for your financing. The Heroes Come First team can introduce you to a participating lender who focus on heroes with both financial and added service rewards to get you on the right track for your purchase.
Benefits include:
Selling Your Home
When you sell your home, you get a break on all of the real estate fees that are usually part of the closing. The average reduction is $2,000, but it could be more for a high-priced home. The participating realtor that handles your listing rebates one quarter of their commission to you at the closing, which could amount to several thousand dollars more, depending on the price of the home.
Refinancing Your Mortgage
When you refinance your existing mortgage to get a lower rate and payment, you qualify for a Lender Hero Reward between $500 and $1,000, which is applied toward your closing costs. The lenders who participate in this program offer competitive interest rates in all 50 states, so you don’t have to compromise on settling for a higher mortgage rate to get these discounts. The participating title companies also offer discounts of up to $350 for title searches that are needed when you refinance your mortgage.
Example of Heroes Come First Savings
Real Estate Transactions:
Costs and Discounts:
Realtor’s rebate of selling commission: $2,250
(25% of standard 3% commission)
Pro-Hero Realtor reward on purchase of new home: $3,150
(up to$700 per $100,000)
Lender discount on $360,000 mortgage: $1.000
Title company discount for title settlement costs: $350
Total Savings: $6,750
It really is simple to get started with the Heroes Come First program when you are in the market to buy or sell your home or refinance your mortgage. There are no restrictions, paperwork, fees, or fine print to read in order to qualify. Start the process by registering at www.HeroesComeFirst.com or call them at 800.272.5626 and they will refer you to a participating lender, title insurance companies, and realtors who serve where you live.
Know other heroes? Help them too!
The Heroes Come First program can help not only you but also other heroes you know. And if you tell other heroes in your life—like your children’s teachers, your local firefighters and police officers, or any veterans or active duty military you can be a hero to them by saving them a significant amount of money on their home transactions.
Since 1989 Joseph Kelly has brought a unique blend of technical, marketing, sales and leadership experience to the mortgage industry. As a graduate of the University of Virginia with a degree in Aerospace Engineering (yes….a rocket scientist), he realized that the mortgage industry was lacking a critical component – consumer education and programs to help increase savings and reduce debt through mortgage management.
Joseph Kelly is very proud of having three sons who are veterans. Two Army and one Navy. Their service inspired the development of a national financial program to help all military (active, reserve and veterans) receive mortgage financing advice focused on their long term benefit, not a one time “sale” for a mortgage company.
Heroes Come First was launched to include all of our nations heroes; Military (active, reserve and veterans), current & former Firefighters, Law Enforcement, Medical & Educational professionals and is dedicated to saying “Thank You” in a practical & financial way when they Buy, Sell or Refinance a Home.
Financial Readiness equals Military Readiness and whether you are a civilian or a service member, one of the top financial mistakes most Americans make has to do with how they buy their vehicles. But if you’re smart, you can avoid this mistake and eventually drive your cars for free.
Our Heroes at Home Financial Event just completed a tour where we gave 27 presentations at 17 bases in 4 countries. In fact, you can contact us about whether we are coming to YOUR base later this year.
McConnell AFB Heroes at Home Financial Event. One of the main topics that is: What is the smart way to buy a vehicle?
Let me start by asking you the question we ask our audiences: How do you lose around $8000 in 8 seconds?
Did you get the answer yet?
The answer is: you drive your brand new car off the lot.
Yes, the average new vehicle will depreciate $8000 in the first year. Since most folks finance that new vehicle, it’s more like losing $10,000 in 8 seconds!
So WHY oh WHY do you continue to buy NEW?
Some folks answer, “for the warranty.” But if you bought the vehicle a year old, you could do two things to make up for that 12 months of warranty you lose over buying new:
A couple years ago, I was on my way to Disneyland to meet another author friend and a careless driver made an unprotected left hand turn right into my vehicle (about 5 feet off the bumper). I had NO TIME to react or even take my foot off the brake. The fact that Mercedes are so well built and the fact God sent his angels to protect me are the only reasons I walked away from this terrible crash with only a few cuts and bruises.
This accident put me back in the market for a vehicle. So this time I decided to try USAA’s car buying service. Since we had an extra car at home, I could take my time to find the best deal. The car buying service told me the price, the discount, gave me free access to a CarFax report, showed me a chart of similar cars purchased in my area to indicate an average, good, or great deal, and more. I compared the prices I saw on the site to Kelley Blue Book and did all my research. Then I followed the same three steps we teach in our Heroes at Home Financial Events.
Step One: Negotiate Price First
Negotiate the price of the car at a dealership apart from the value of the trade-in. Tell the salesperson you want to determine the price of the car without the trade-in. The reason you want to do this is because salespeople will often give you far more for your trade than you expected—thus hooking you on the deal. However, this higher-value-for-the-trade-in shtick can be part of the technique they use to get you to purchase the car. If a higher value is given to the trade, then they will give a lower discount on the price of the vehicle, because all the discounting went into the value of the trade.
Step Two: Negotiate the Value of the Trade-In
Now that you’ve determined the price of the car, ask what the dealer will give you for your trade-in. Most likely, you will get more for your car if you sell it yourself. A little elbow grease and some top-notch detailing can net you hundreds of dollars more than a dealer can give you, if you can find a buyer. Some people (like military families) don’t always have the time to sell their car because of moving schedules and so forth. So if you are going to try to trade in your car, look up the value of your existing car at Kelley Blue Book or Edmunds, then print the page (or screen shot it), and bring it with you to the car lot to negotiate the price. Bottom line: try your best to gather enough facts beforehand so that you make a wise decision.
Step Three: Secure Your Own Financing
The F&I (finance and insurance office) is where the lion’s share of a dealership’s profit is made. In this office, you will have to navigate interest rates, payments, terms, additional services, and warranties. Unless you put miles on your car for business or you are purchasing a car that will cost a lot to repair (and you intend to keep it longer than the warranty lasts), extended warranties are usually not a good value. When it comes to vehicle financing, you can generally do better on interest by selecting your own creditor unless the manufacturer is offering a lower APR. Keep in mind that the .99% APR offers only go to the top 10% of those who are the FICO score elite, chances are good that you will not qualify. The credit life insurance that dealers offer is more expensive than raising your regular insurance premium by twenty thousand dollars to cover this expense. And don’t forget to research the price of insurance on your new car so you can afford both the payment and the insurance.
By following my own advice, I talked to my sales representative and I was able to:
When are you in the market to get a vehicle, which of these tips will you follow to get the best deal?
Ellie Kay
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