Save Money On Gas Without Buying A New Car

The current price for a gallon of gas is roughly 15 cents lower than it was a year ago. However, experts are unsure if this price will slide much lower. According to AAA’s Fuel Gauge Report, the current average price for a gallon of gas is $3.62. This is cheaper than the peak price for this year, set in April, but it could still leave you reaching for a cash loan near me to fill up your tank. Change Your Driving Habits To Save On Gas. Since you have little control over the price of gas, you should consider other ways to cut fuel costs. Instead of shelling out big bucks to buy a more fuel-efficient car, try to change your driving habits and perform regular scheduled maintenance.

Be Consistent When You Drive

save money on gas and loan near meAggressive drivers tend to get bad gas mileage. You can be considered an aggressive driver if you speed, accelerate quickly and brake suddenly and often. In addition to being unsafe, reckless driving is bad for fuel economy. If you have a hard time maintaining a consistent speed on the highway, consider using your car’s cruise control system.

Properly Maintain Your Automobile

Regular maintenance can make your car more fuel efficient. For example, keep your tires inflated to the ideal pressure, and properly align your wheels. The Federal Trade Commission says taking these steps can increase your fuel economy by as much as 2 percent. In addition, try cleaning out your trunk. Not only will this organize your life, removing excess weight from your vehicle can also increase to your engine’s fuel efficiency.

Avoid Using Your Car When You Can

The easiest way to save on loans and gas in NC is to cut back on how often you use your car. You can do this by completing more errands in a single trip, and carpooling whenever convenient. In fact, many areas of the country reward carpooling with exclusive highway lanes and discounted tolls.…

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In today’s society, bad credit can keep you from doing a lot of things

For instance, you might find it hard to get a loan for a house or a car. Since utility companies check credit before turning on utilities, you might have to pay high security deposits to establish service. Even worse, bad credit could keep you from getting a job – many employers check credit as part of the application process.

How Bad Credit Happens
Nearly all the businesses you have a financial relationship with report information about your accounts to the major credit bureaus.These bureaus put the information together in a single file known as your credit report.

bad credit can keep you from doing a lot of thingsIf you have a lot of negative information on your credit report, you are said to have “bad credit.” Negative information includes things like multiple applications for credit cards and loans, late payments, and high credit card balances. To improve your credit, you’ll have to fix the negative information that’s on your credit report.

Repair Credit Report Errors
Start by ordering your credit report. By law, you’re entitled to one free credit report every year from each of the major credit bureaus. You can order this free credit report from www.annualcreditreport.com. This is the only place to order the free credit report guaranteed by law. You can also purchase copies of your credit report from any of the three credit bureaus.

Once you have your credit report, look through each account and make sure the information reported is correct, e.g. the account is yours, the payment history is correct, etc. You have the right to have any errors removed from your credit report by submitting a credit report dispute to the credit bureau that provided the report.

Take Care of Delinquencies and High Balances
Note any delinquent accounts on your credit report. This includes accounts that have late payments, collection accounts, and charge-offs. To repair your credit, you need to bring these accounts out of delinquent status. You’ll need to pay them current to do this. Pay the outstanding balance on your late accounts. Bring them current first to keep them from getting charged-off or going to collections.

Try negotiating a settlement on collections and charged-off accounts. Note that the settled payment will be listed on your credit report for future creditors to see.

Next, bring your high balances down. Pay any accounts over the credit limit. This will keep you from getting charged over-the-limit fees. Then, work on paying your balances down to at least 30% of your credit limit. This means, you should have at most a $300 balance on a credit card with a $1,000 credit limit.

Keep Accounts Open, Minimize Applications, Make Timely Payments
Keep old credit cards open because this adds length to your credit history. The longer your credit history, the better your credit will be. Avoid closing your oldest credit card accounts. You should also keep open accounts with balances since closing them will hurt your credit score.

While you’re working on credit repair, don’t put in any applications for credit cards and loans. Each time you make one of these applications, it will affect your credit.

Finally, add positive payment history. Once you’ve taken care of the negative items on your credit report, positive information will continue to rebuild your credit.…

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