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Before applying for a car loan make sure to print out your credit score report so dealers can not lie to you and tell you that your score is lower than it actually is for a higher APR. Get rid of your previous addresses and other random old information that errors your report. The cleaner the better! Close all inactive accounts and credit cards because they drag down your score. If you want a prime car loan then wait until you can get your score over 680 and always remember it takes 60 days for any new changes to show on your report.

Paying down consumer debt requires financial control, not a budget that only allows for minimum payments. You need to pay more, and the way to afford that is to cut down on what’s called variable spending and apply that money towards paying off debt. Variable spending is what you buy randomly, or not according to a fixed schedule – cups of coffee, lunches out, fresh flowers, and so on. An article at http://www.CNNMoney.com suggests writing down every single cent you spend for an entire month to identify and cut back on variable spending. It’s a great way to start taking control of your finances.

Before committing to a real estate agent you should at least find out if they have any strange cancellation policies that will end up screwing you out of your money. If you sign a listing or buying agreement with an agent and then totally regret ever hiring them what is the worst-case scenario? Will they take your money and leave if you don’t get along, or will they stand behind their service to you? What is the company’s policy about cancelled agreements? Ask your agent if anyone has ever canceled with them before.