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Deal with Your Debt: The Right Way to Manage Your Bill$ and Pay Off What You Owe by Liz Pulliam Weston

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Ways to Keep Costs Down

If you're convinced that you've got better things to do with your money than spend a fortune on metal, rubber, and a few computer chips, consider the following ways to curb your transportation costs:

Don't walk into a dealership if you still owe money on a car. You might as well just tattoo the word “sucker” on your forehead. Owing money on your trade-in shows you're a financial novice who's easily exploited—plus you'll get stuck with a higher-than-average interest rate on any car you buy.

Know the real cost of a car before you buy. The Internet is full of car-pricing services like Kelley Blue Book (www.kbb.com), Cars.com, and Edmunds.com that can help you assess how much to pay for a car. But you should also check out ...

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