4/11/2023 0 Comments Invoice factoring forumYou should also consider the bank where you house your checking or savings account, and do a search on for rates in your area. Then, if you're a member of a credit union, start there - many have the lowest rates available. First, pull your credit report score to see where you stand. In many cases, the dealer won't have the best financing offer in your area, so you need to evaluate all of your options. Depreciation, insurance, repairs, maintenance, financing, fuel, fees and taxes are all important considerations," says David Wurster, president of Vincentric, a company that measures the cost of owning and operating vehicles. "The way you should be looking at it is how much is that vehicle going to cost you in terms of everything other than the price. A small sedan will cost you an average of $6,496 a year, while a four-wheel drive SUV will put you at about $11,085.īottom line: Whether or not you can afford a particular car has less to do with its price tag and more to do with the costs that hit you after you drive away. According to AAA, the average cost to own and operate a car is 56.6 cents per mile, or $8,487 a year - up 4.8 percent over last year, largely because of increased fuel, tire and insurance prices. The number scrawled across the windshield on the lot never tells the full story, and if you think you're paying that amount, and that amount only, you're in for a lot of costly surprises. Other purchases, like a car, aren't quite as easy. There are no surprises, maintenance costs or hidden fees when you buy things like shoes, clothes or groceries. There are purchases that are cut and dried - you see a price tag, maybe the store tacks on a little tax, you get a total and hand over your debit or credit card.
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