Saturday, January 7, 2012

Financial Peace and Car Buying/ Day 7

My husband and I have been on the Dave Ramsey plan financial peace since 2008. If you don't know it you should. We don't use credit cards and we have a budget that if most people saw they'd call us cheap. We have everything we need and most of what we want. We plan for large purchases and can live in the comfort of knowing that we live within our means not frivolously. It is a good plan and it really works for us.

We are both planners, I more short term and he is always thinking ahead. We always research the best we can before moving ahead. Today we went to look at some cars (used of course) because I REALLY want a new (to me) car. It is a want at this point not a need. We have done our research. we know what we want, how much it's worth and how much we want to spend. We NEVER go car shopping unprepared. There are really some shady people out there, not all car salesman are shady but a lot are.
Here are my pet peeves when car shopping:
1)If I walk in and say do you have any used Altimas, do not say, " Why not buy new the financing is great right now?" If new was an option I'd walk on the lot point to a car and say I'll take that blue one with the black leather interior, does it have nav?
2) If I walk ask how much you are asking for a car and you say where do you want your payment to be then you are asking too much.
3) If I tell you I am looking for a used Altima and you try to sell me on any other comparable car I am done with you.
4) If you have a limp handshake I automatically want to ask for a new salesman.
5)Car salesman who don't know what's on their lot or anything about the product they are supposed to be selling. There's a lot of downtime take that time to learn.

I did not get a new car today but am still looking, I know what I want and what I am willing to pay and I will find it and when I do I will have the pice of mind to know that I got a good deal and I can afford my car.

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