The 9 Things You Have to Do Before Placing An Ad for Your Car

Whether you’re family has outgrown your current vehicle or you’re looking to downsize, selling your current car yourself has several advantages.  Not only will you likely make more money with a private sale over taking the trade-in value at a dealership, you also get to negotiate your terms in detail.  The time, place, method of payment and trading for other items are all at your discretion.  Here are nine steps you need to take before you place your advertisement.

9. Make sure you can afford your new car.

The last thing you want to do is sell your current vehicle and then not be able to finance the new one!  Use a car loan calculator to ensure your payment will fit into your monthly budget.  Don’t forget to factor in the cost of maintenance and normal repairs, and check your credit reports for any erroneous items that could be tanking your score.

8.  Remove any after-market items not included in the sale.

If the sale isn’t including the nice rims, stereo system or custom seat covers, remove them before you take any photographs or place an ad.  Even if you state in your ad that these items aren’t included, buyers will want to see what is being offered.  Are you going to reinstall the factory radio or leave a gaping hole in the dash?  Just how bad are the factory rims you’ve had stored in the shed for years?  Your buyers will want to see what is being offered.

7.  Clean the car up.

It should go without saying, but peel off those bumper stickers, get rid of the dirt caked under the pedals, throw away the mound of empty soda bottles in the backseat and attack that dubious stain on the upholstery with a rug scrubber’s hose attachment.  If you’ve smoked in the car, scrub down the entire interior, douse it in Febreze and let it air out before you even list it for sale.

6.  Make small repairs to both the exterior and interior.
Take an afternoon and go over your vehicle with a fine-toothed comb.  Use a bottle of touch-up paint to cover minor scratches, buff out any scuff marks on the leather and order a new cover for the dome light that you broke two years ago.  Replace the dry-rotted windshield wipers, check that the fluids are topped off, all the belts and hoses are in good repair and ensure that the car starts and runs quietly.  The more you do, the more you’ll recoup from the sale.

5.  Polish it to a high shine.

You’ve done a light clean before you did your minor repairs, now it’s time to get serious about cleaning.  Scrub the exterior and give it a wax job.  Polish all the windows and chrome, clean all of the controls and dash components, vacuum and scrub all of the upholstery.  If you’ve smoked in the car, this should be the second scrubbing for the interior.  It needs it.  Resist the urge to try to cover up any odors with air fresheners.  Those with sensitive noses or allergies may not be able to handle any harsh smells.  Air the car out after you’re done washing and scrubbing it down to allow any lingering scents to dissipate.

4.  Have a mechanic give it a good once-over.

If you live in a state that has mandatory inspection, you can omit this step if your inspection is only a few months old.  Otherwise, have the car looked over for any obvious mechanical problems.  Not only does this solidify your position as selling in good faith, which can help immensely if the buyer experiences a problem and takes you to small-claims court, it also makes for an attractive selling point.

3.  Amass all the paperwork you have.

Nothing is more aggravating than wanting to buy a used car but being unable to get the title transferred due to lost paperwork.  Before you even list the car, make sure you have the title, insurance paperwork and other essentials put aside.

2.  Find the extra keys.

If you don’t find them now, you’ll stumble across them in three years when you move.  The new owner is not going to appreciate paying a hundred dollars or more for a second ignition key.

1.  Put word out to your friends and family.

Before you post an advertisement to the public, let word out among your social circle that the car is up for sale.  This is an especially good idea if you often get compliments on your vehicle.  Why pay for an advertisement if your buddy from work or the lady from church would love to buy your ride?

Selling your vehicle privately certainly does take more work than simply driving it to a dealership and taking what they will give you for it.  However, the extra money you make with a private sale can easily offset the inconvenience factor by quite a bit.  Following these steps will allow you to maximize your profit.

A Finance and Budgeting Guide for College Students

The sudden change in a student’s life from high school to college brings along many different types of experiences. This bitter sweet part of your life, although being exciting has its own anxieties and worries. The most common problem faced by students in college is the management of their budget and finance issues. It’s more like, the exciting part gets over once you ignore budgeting and finance of your various expenses. One may be able to get out this difficult time without having a proper budget but this result in serious money issues after you are done with your studies, especially for students having college loans.

In order to keep things smooth in between your college years and after, there should be a proper plan with due consideration given to all kinds of circumstances. Here is a guide to help college students deal with all their money woes from financing to budgeting.

1. Plan Ahead
There is no such thing as the most perfect time to start planning for your college life. The best way to deal with money problems is to be well prepped up even before college starts. Start earning some money in the time you gets before college starts and save all that money. Get yourself a student account for the sole purpose of your college savings. You don’t have to rely on your mom’s bank to pay off your college bills or other expenses, try saving some on your own. Researches have shown that only 60% of all college students get no financial help from their parents.

2. Research
While you’re pre planning your college years, keep an eye on scholarships or grants which can help ease your student loan worries. If you’re opting for loans then make sure you look into all the terms and conditions. The best way you can keep your loans less of a burden and more of a help is to go for loan relief programs. These programs are there to simplify all the nerve wrecking loan issues. Consult with your college’s financial aid office to know about how they can help you.

3. A Budget plan
A properly planned budget is something you will always need in your life. But the need and importance of budgeting increases during this specific period of your college life. Devising a proper budget plan will not just help you know the amount of your regular expense but will also make you a smart spender. Once a budget you have mapped out your entire expenses and distributed your earnings or savings accordingly, make sure you stick to it. Almost 62 percent of college students spend their money through a budget which helps them in limiting their expenses to a specific amount. Almost 77 % of these students now manage to pay their phone and credit card bills because of proper budgeting.

4. Avoid Credit
Research shows, 70% of undergrads and 96% of graduate students now own a credit card. However, only 10% manage to pay their full balance every month. This is shocking but having a credit card and managing your credit score is not easy and specifically at this time of your life. This increasing percentage of student credit debtors results from a number of reason; the most common amongst them all is not having proper knowledge about the use of their credit cards. A percentage as low as 15% of students have knowledge about how much their interest rate is. If you really need a credit card, keep one thing in mind that it is no free money. Look for college student credit cards with a credit limit as low as $1000 and use this only when you really need it.

5. Hunt down earning opportunities
Although it’s hard to keep track of your studies and manage to work part time or in any other way. It is still the most feasible option to financially aid your college life. If you don’t think you can work somewhere in person than utilize the internet and find work that doesn’t require you to be somewhere for a certain time or most of your time. If this doesn’t work, look out for summer jobs or other part time opportunities. While this may sound something hard to cope with, but having an earning resource in college sure is a blessing.

These few basic tips can help make your college life a memorable experience and not a time where you’re always complaining about being broke. Around 42% of college student are usually depressed, sad or feel low, you sure don’t want to be a part of these 42%.