How to Create a Money Saving Plan for a New Car

buying new car When buying a new car is at the top of your to-do-list, it’s time to create a plan to save the money you need to make it happen. Buying a vehicle is not something you should rush into. Before you go shopping, you’ll need to have your finances in order. Unless you have the cash to buy the car straight out, it will impact your budget in a big way.

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To help ensure things go smoothly financially, you can create a money saving plan for a new car.

Here’s how:

  • Set a time frame for saving the money. Do you plan to buy the new car in six months or a year? This will give you a guideline for how long you have to save the money you need up front. It’s also how long you have to get your budget in order so you can meet your financial obligation each month after purchasing the vehicle.
  • Determine how much extra you need each month for the car payment. You can expect to pay between 300 and 500 hundred a month depending on the type of vehicle you’re interested in buying. Do you have that much money extra in your budget each month? If not, you’ll need to eliminate something to make sure you don’t put yourself in a financial bind.
  • Figure up how much you want to pay on the down payment. Most dealers expect a certain percentage of the overall price of the vehicle, so it will also depend on what you plan to buy. Divide this amount by the number of months you plan to save and it will give you the amount you need to save each month to have the money for your down payment when the time comes.
  • Add in the extras. Remember to include your insurance premiums and the cost to register and get tags for the car in your savings plan. It’s also a good idea to add a little extra for emergencies.
  • Once you know how much money you need to save each month, divide this amount by your number of paydays to determine how much you need to save. Then, have this amount sent directly to your savings account each payday.

A money saving plan will help keep you focused and on schedule. It will help you save for the down payment and prepare for the monthly payments, in addition to the other expenses you’ll have after purchasing your new car.  

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Road Trips with Your Pet

Pets If you’re like most people, your pet is a treasured member of the family. That being said, it’s highly likely that the same pet is your travel companion… at least now and then. Keep reading, to learn more about road trip safety when traveling with your fur-baby. You’ll both be glad you did.

Visit the Vet Before You Leave

Before you set out on a trip with your pet, take him (or her) to the veterinarian for a check-up. This way, you can make sure he’s healthy and feeling up to a long journey. While you’re there, double-check to make sure that  vaccinations for things like parvo, rabies and Lyme disease are all up to date.

Once the vet has determined that your pet is in good health, the office staff can give you a health certificate to take with you. Many hotels require you to have one, in order for your cat or dog to stay on the premises.

Clean Out the Car

When you’re planning on riding with your pet in the car, take  time before the trip to clean it out thoroughly.  Your human passengers will appreciate it too!  Make sure that there’s nothing in the vehicle that can be hazardous to animals. Even something as small as a penny can become a choking hazard in just a matter of seconds. Don’t take that chance!

Beware of Window Issues

Most dogs love to stick their heads out the window during a car ride. Unfortunately, this can be dangerous, especially if you’re travelling at high speeds. Insects or debris from the road could possibly end up in your dog’s eyes or windpipe. Also, breathing cold air has the potential of making your dog sick, which translates into an uncomfortable trip for both of you.

Consider Using a Kennel

If your pet isn’t properly secured in the vehicle, they can be seriously injured in the event of a car accident. Keeping your pet in a portable kennel will keep him comfortable and also protect him, in the event of an accident or emergency.

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Christmas Road Trip Tips on a Budget

Christmas Road Trip Tips on a Budget

Who doesn’t love to travel on their Christmas vacation? A road trip is always a great idea! Whether you’re traveling to spend Christmas with family or just to get away and have some fun. The only problem is that road trips can be pretty costly, but it doesn’t have to be. Here are some Christmas road trip tips on a budget that will make your Christmas vacation road trip the best it could ever be!

Travel Close

One of the best things you can do when it comes to a Christmas road trip on a budget is to not go so far. Stay fairly close to home, I know many people are going to think “that’s not a road trip” but you’re wrong, a road trip doesn’t mean you have to travel 1000+ miles. You can drive to the next town over and that is just as much a road trip as anything else. Not only that but you’re on a budget this gives you the thrill of a road trip without breaking your budget. Or maybe you don’t even want to leave home but still want to get out and do something fun, you can pick a night to take all of your family and drive around the neighborhoods to look at all the awesome lights and decorations.

Prepare Food

Doing all this before the last minute will save you SO much stress later on. Not only that but if you make all your road trip snacks at home, buy some cheap foods to prepare meals for the road trip and stock up on water and other drinks (depending on how far you’re traveling) doing this will stop you from making so many stops to restock and eat, spending all the money on your budget before you really get anywhere.

Where You’re Staying

This is a huge part of road tripping and in the summer it’s easy to just find camping spots but this is a Christmas road trip. So it would be best to map out exactly where you are going and the places you want to stop, then research the best cheap hotels/motels within your budget. This could take some time because most hotels/motels need to know what day you’ll be checking in so you’ll need to estimate exactly what time you’ll be where. You could also stay with family/friends if you happen to be passing by any of them, I mean it is Christmas and that’s what the holidays are about. But of course, if your trip isn’t long then you won’t have to worry about any of this.

The are just a few Christmas road trip tips on a budget to help you out with your trip this year. Almost everyone loves to travel for the holidays whether you’re just heading out to spend it with family or you just want a change of scenery. But traveling can be expensive, especially during the holidays that’s no reason to not go, you can always figure something out and setting a budget makes things so much easier. Also, be sure to check the weather before beginning your Christmas road trip this year and stay safe! Do you have any other tips you’d like to add? Share in the comments!

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Top 4 Things to Do in Hagerstown, Maryland

CanoeIf you are near or traveling to Hagerstown, Maryland, here are some fun things to do while you are there. Maryland has always been a destination I have wanted to see. It is such a beautiful state, and boy is there a lot of fun activities to do. I was just searching around and found some awesome things to do in Hagerstown!

Horse or Carriage Tour of Antietam National Battlefield: If you enjoy history and beautiful scenery this is a must. You can choose to ride a horse or ride in a carriage, the ride is around an hour and a half. You can learn about the history and see the landmarks as you travel along. It sounds really amazing!

The C&O Canal: This is located in Williamsport, the C&O Canal is famous for it’s role in the Civil War. This can be a romantic place for couples to ride a boat and view it! Now if you go in winter months the water part is closed but you can still hike as well.

Appalachian Trail: You might have heard of this before, it is famous for the 2,200 miles of trail. It is a place hikers love to travel on to view the beautiful views of nature. This is a very long trail, and so much to see, avid hikers love going here.

Kayak the Indian Springs Wildlife Management Area: If you love being out in nature this is a must. You can go paddle around on the clear springs and enjoy over 400 species of birds, 90 species of mammals and more. They do allow you to rent canoes or kayaks! I think I could spend days out there just admiring it all!

 

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Safety Tips for Driving On Snow and Ice

cold weather on roads I wanted to share some safety tips for driving on snow and ice since Winter is coming soon! Here in Kansas we have a lot of snow and ice that hits up throughout the colder months! One year we had 16 inches in like a weeks time, which was outrageous! We normally don’t get that much at one time! Adam and I went out and built a fort and played around like we did as kids, it was a lot of fun! Good memory to look back on!

Anyway if you live in a state that gets snow or rain and it freezes, this might be for you. Here are some great tips for when you are driving in the winter weather this season.

Accelerate and Decelerate Slowly: If their is snow or ice on the roads your vehicle can slip and you could lose control easily. Make sure to pay attention and go a bit slower. Take more time to slow down before a stop sign or turn, as you could slip and slide very easily!

Eight to Ten Following Distance: The rule of thumb is three to four seconds on following distance between cars on the road, but in bad weather it should increase to eight to ten seconds.

Check Brakes: It is always good to get your whole car inspected before the winter months to ensure all is good. But, for sure get your brakes looked over, you want to make sure they are in tip top shape.

Don’t Stop Going Up A Hill: If you are driving up a hill try not to stop half way up. You might get stuck or start sliding down the hill when you try to get moving again. If you can find another route that doesn’t have a hill that is a best option.

Good Tires: Make sure your tires are good, they need to have some good tread on them! If your tire doesn’t have much tread left it will make you spin more and swerve around. I learned that the hard way when I was a teen!

Stay at Home: If you don’t have to get out, then just stay home. If you know a storm is coming make sure to do errands before hand and then you don’t have to get out! We do this from time to time, because wrecks can happen very easily when the roads are slick.

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