I Need a Car But Have No Money: 19 Ways to Proceed

There are fewer seemingly unsolvable problems than this one: “I need a car but have no money.” Well, how will you even get this vehicle then, you ask, if there’s no money available to get it? The problem is exacerbated if you have bad credit in addition to being able to provide no down payment for your new rig.

However, the problem isn’t impossible to solve. If you want to know how to buy a car with no money, here are nineteen ways to get the money or automobile you need, either by earning it or getting car loans. However, you may also have to realize that you may not be able to get a car loan or even a car at all – thus, we’ll also offer you some suggestions to get around town when you won’t have an automobile of your own.

  1. First, make sure you haven’t exhausted your chances of getting a loan.
  2. If you don’t have a job, get one. Duh. There’s no free lunch!
  3. Learn about the car buying scams that are out there so that you don’t get taken for a ride (so to speak). Here’s one book from a former general manager of a auto dealership that explains some of these scams and how to avoid them and get a better price on your vehicle.
  4. If you are already employed but can’t afford the expense, there are plenty of ways to make extra money in your spare time to help you afford the costs. Some examples include getting a part-time job, doing odd jobs, selling your stuff, pawning off gold and other valuable, starting a business, or making money online. We won’t go into details on these methods, as they’ve been detailed in other posts on this site. If you have a long period of time before you need the car, this could be a great way to get an income stream coming in to help you. For instance, to take one example, if you do online writing, you can be making $200/month or more after 3-6 months of part-time work. This is a car payment! And the more you’ll work, the more you’ll make.
  5. If you really need to save money, try buying a car from an auction. You can often get a vehicle for a lower cost this way. For more information on car auctions, click this link.
  6. Most people who want to buy a car get an auto loan. Of course, this probably isn’t an option for you in the traditional sense, given that you’re reading this article. However, before counting yourself out, make sure that there are no bad or no credit options available for you out there. Some companies specialize in these kinds of loans, but carefully read over the terms.
  7. Look for online pre-approval. These will at least show you what to expect in terms of terms when it comes time to sign the dotted line.
  8. Instead of getting a loan from the dealer, go straight to a bank or credit union. You’ll sometimes get better terms and could have a better chance of being approved. Note, however, that when credit’s tight for everyone, all bets are off.
  9. Don’t bother looking for loans that don’t require credit checks. They don’t exist! And if they do, you’re getting scammed for sure.
  10. Instead, look for loans for people who have poor credit histories. You may need a cosigner to help you get the loan if you’re not good enough to go out and get a loan on your own financial merits. If you get a loan for people with poor credit, watch out! You may have to pay high interest rates. In many cases, this is not a great idea, as these payments can cripple you down the line. If you have a chunk of money to spend, you’re better off finding a cheaper, used car instead of pouring money into payment
  11. Settle for a cheaper car. If you can’t afford a new car, try a used one. If you still are short on funds, try buying a very old vehicle from a private owner. You can get an OK car for around $1000 if you spend time looking. Of course, the car may not be the most reliable vehicle in the world, but if you’re desperate, what can you do?
  12. Look online for car deals. The typical methods (classified ads and simply finding the car in person) still work, but you will be able to find more supply and better deals if you expand your search to the world wide web. Try a site like craigslist for leads.
  13. Let’s assume that you’ve tried all of the above and simply can’t get a car or truck at all. Then you have other options to get around, including:
  14. Use public transportation. The bus, subway, and train may be good options, depending on what’s available in your area. Of course, if you don’t have much money, you won’t be able to pay fares too often and make use of it as much as you’d like, but you can at least get to longer distance locations (like work or the store) without needing your own vehicle.
  15. Ride with someone else. Car pools are a great way to get around; plus, they help save the environment from burning too much fossil fuels. Of course, you’ll need to chip in for gas to be fair.
  16. Borrow someone else’s car when you need it. Obviously, you won’t be able to rely on this for regular trips, but it can be good for emergencies.
  17. Look for a car share program in your area. These are becoming more popular of late. For a small fee, you can “sign out” and use a car or truck as part of the program. You simply need to leave it in the place you left it, in addition to paying for gas and other potential charges. While this isn’t a “free” option, it’s a good way to enjoy the benefits of a car without all the expensive pieces (insurance, payments, etc.).
  18. Ride a bike or rollerblade to your destination. This is a great way to get exercise, and it won’t take you that much time to get where you need to go. Of course, you won’t be able to carry much with you, so this isn’t the best option if you need to go on a shopping trip, for example.
  19. Finally, walk. This is good because you’ll get plenty of exercise in the process; however, it’s not efficient, especially for going long distances. At the very least, you should be able to make reasonable trips to places within 2 miles of your origin.

Any more ways? Leave them in the comments!

17 Health Benefits of Drinking Water

The human body is made up of mostly water – aynwhere from 55% to 78% by weight – so the health benefits of drinking water should be obvious. Your brain consists of 90% water, your blood 83%, and your muscles 75%, so what do you think will happen if you are dehydrated? Your body will work less optimally than it can, putting you at a disadvantage in every sphere of your life – living, breathing, working, and playing.

Despite this knowledge, however, many of us do not drink enough water throughout the day. We drink plenty of coffee and sodas that contain caffeine, a compound that can help dehydrate us, but we drink very little fruit juice and almost no water. This is especially important if we are at all active throughout the day – the more your body does, the more calories it burns, and the more water you need to fuel working muscles.

If the importance of water is not clear to you from the above description, here are seventeen benefits of drinking water daily. Hopefully these facts will encourage you to add more water to your routine. Overall, you’ll want to shoot for 6 to 8 glasses of water a day. You can drink them both in and between meals. Add more water to your diet if you are very active, especially if you are doing intense cardio, sports, and strength training. Here are only a fraction of the many benefits you’ll experience by adding a lot of water to your daily diet:

  1. On the most basic level, water helps transport oxygen and nutrients throughtout your body; it also helps the organs absorb these nutrients. Having plenty of water will help give you the energy you’ll need to work, play, and get through the day.
  2. Water helps aid digestion and metabolism. If you are having any digestive issues, or problem with a slow or faulty metabolism, drinking enough pure water can help smooth out some of the difficulties. It is thus a key component of any nutrition plan.
  3. Water is also important for helping your body detoxify – in other words, rid itself of toxins and pollutants. This is one reason why it’s important to drink purified water that you know will be safe to drink and not continue to add toxins to your system.
  4. If you have joint problems, water may help, as it lubricates those areas. Water can also help your body repair and recover after an injury or illness.
  5. If you are trying to lose weight, you’ll need to drink. In fact, drinking water to lose weight is a viable strategy! Drinking water will help you control your hunger and appetite, and it will also help flush away fat. Drinking water will also help you lose water weight, as your body will not hold on to its water stores so tightly as it does when you are eating lots of salt with little water.
  6. If you are having headaches, drinking water may relieve the problem.
  7. Water helps reduce the risks and effects of diseases like cancer, heart disease, obesity, kidney and liver problems, and more. It also gives a boost to your immune system to help protect you against germs and viruses.
  8. Water increases your energy and focus levels so that you can get more done and enjoy your life with less stress.
  9. If you are dehydrated, your physical performance in sports and exercise will suffer. To play and work at your highest potential, you’ll need to drink all the water you can.
  10. Drinking water can also help protect your teeth against plaque and cavities. Tap water contains fluoride, a compound that is added to the water to help preserve your teeth.
  11. If you have cramps, water can reduce them. In fact, many cramps are caused by dehydration in the first place!
  12. Having plenty of water will make your skin look smooth, youthful, and healthy.
  13. Some waters are fortified with other vitamins and minerals, so drinking these can be a good way to bolster your body’s functions.
  14. The symptoms of dehydration can be annoying to severe. You’ll obviously feel both hungry and thirsty when you’re without water. Your urine will turn a dark color, your skin and throat will dry out, and you could get headaches, constipation, and fatigue. The problems inside could be worse – kidney issues, irregular blood pressure, and more. If you go without water for a few days, you can get very ill, and even die. This just further underscores the drinking water benefits discussed above!
  15. Note: the source of the water, and how you drink it, ultimately don’t matter that much. It really doesn’t matter whether your drink hot, warm, or cold matter – except for how pleasurable it may be – or whether you get it from a spring, nature, company or in bottled, tap, or dispenser form.
  16. One good habit to build is starting your day by imbibing lots of water. Drinking twenty ounces of water right when you wake up the morning will help freshen you up and supply your cells with much needed H2O – they’ve been thirsty for hours while you’ve been asleep!
  17. If you are having trouble drinking plain water, there are many things you can do to help make it go down easier. First, experiment with different kinds of water until you find the best drinking water for you. Try distilled water if you want to go with the purest kind you can get – though drinking distilled water benefits may be a little lower due to the absensce of important minerals like fluoride. You can drink the water with lemon or other flavors added. If worse comes to worse, you can drink sweetened beverages (without caffeine), but don’t forget that you’ll also be taking in empty calories, so don’t make this a habit. You’ll still enjoy the benefits of drinking water regardless of the form you take it in.

What Are the Health Benefits of Cranberry Juice?

We all know that we need to eat plenty of servings of fruits and vegetables throughout the day, but who has the time and ability to consistently do this? One way to increase your intake of fruits is to drink juice, and one of the best juices to drink to improve your health is cranberry juice.

The Cranberry is a “Superfruit”

Cranberries are well known to be one of the ‘superfruits’ that provide amazing health benefits to those who consume them regularly. In fact, nearly any ‘berry’ will offer benefits to those who consume them beyond the caloric and nutritive aspects.

What makes cranberry juice so healthy is the mixture of vitamins, minerals, antioxidants, and other healthy chemicals that it contains. The vitamins and minerals ensure the proper functioning of the body. Antioxidants provide numerous health benefits throughout the body. They combat ‘free radicals’ that are the main cause of inflammation and cancers. Antioxidants thus have a strong anti-inflammatory, anti-bacteria, and anti-cancer effect.

Aside from these compounds, cranberry juice also contains “phytochemicals,” compounds that help the body in a myriad of ways. For example, some of the phytochemicals in this drink attack breast cancer cells and reduce the progress of aging throughout the body.

The basic chemistry of cranberry juice also contributes to its health power. Cranberry juice is very acidic – this creates an inhospitable environment for nasty bugs and germs to grow, helping to keep your body clear of infection and illnes. In addition, cranberry juice contains plenty of water, keeping your body hydrated and operating at its peak.

So What’s the Payoff?

All of this adds up to numerous health benefits of cranberry juice for the regular drinker. The antioxidants, fiber, and phytochemicals can help protect your heart against heart disease and can guard your body against cancer. For men and for women, this drink can help clear infections in the urinary tract, bladder, and kidney, as well as in other places throughout the body.

The vitamins and minerals in the beverage also help. The vitamin C in the beverage helps keep your immune system strong, and the acidic and antioxidant components help break down and prevent the formation of kidney stones. Some manufacturers add calcium to the beverage, a mineral that is crucial for keeping your bones and teeth strong.

Older individuals, and those who are under a lot of stress, can also get relief from peptic and stomach ulcers by drinking this juice.

Cranberry juice can also give you benefits for your teeth! Drinking this beverage regularly can help reduce the formation of plaque and gum disease in your mouth. The acidity of the beverage, along with its other components, also helps kill and prevent the growth of harmful bacteria in your mouth.

Some Warnings

One of the reasons people don’t drink cranberry and other juices regularly is the taste. Pure juice can be tart and bitter, so many will mix it with other juices to moderate the flavor a bit. In fact, some brands of cranberry juice are already cut with other juices – as long as the juice contains 30% cranberries compared to 70% other fruits, you’ll still enjoy all the health benefits of the drink.

Others get these juices with added sugars – this is not a good idea. Note that, like all juices, a sweetened and an unsweetened version of this beverage exists. The unsweeted version is 100% pure cranberry juice, while the sweetened version of the beverage contains added sugars. While this may make the beverage taste better, it actually hurts its nutrional profile in two ways. First, you take in empty and unnecessary calories by drinking that added sugar, increasing your weight and expanding your fat stores, leading to further health problems down the line. Second, you get less of the 100% juice that you need, as it has been ‘diluted’ to an extent, and thus don’t get the concentrated benefits of cranberry juice. Of course, if the choice is between sweetened cranberry juice and soda, go with the juice, as it still contains some of the healthy compounds and antioxidants that will keep your body strong.

Getting Cranberry Juice

Drink one to three 8 oz. glasses of this beverage a day to enjoy the maximum benefits. You can purchase regular brands of cranberry juice, like Ocean Spray, or you can buy organic varieties. Indeed, many people try to go on a cranberry juice diet to help them lose weight. While this may be effective, those trying this diet should be careful, as the beverage does contain sugar. As with any beverage, drink it in moderation – drinking two gallons a day will just make you sick and fat!

12 Ways to Buy Cheap Jeans

Jeans go well with many outfits and many styles. This versatility makes them a valuable and much desired clothing item. However, a good pair of jeans can be expensive, especially if you buy them new from expensive stores. Luckily, it is possible to buy cheap jeans as long as you know where to look. Here are twelve ways to buy cheap jeans regardless of type – skinny, designer, and everything in between!

  1. Before you even think about where to buy cheap jeans, you need to know your budget and needs. How many pairs of pants do you want to get? How much money do you have to spend? This will help you narrow down your options.
  2. You also need to know the general type of jeans you want. Skinny jeans? Designer? Any kind of jeans you can get? Are you looking for a specific color or brand? Write down all your requirements so that you can stay organized when you are doing the massive comparison shopping that will come in the following ways.
  3. The first thing you can do to save money on jeans is compromise on the brand and quality that you’re looking for. If you can’t afford $100 designer jeans, don’t buy them! Instead, go with more inexpensive brands, such as Levi’s. Don’t worry, though, you can save even more money even if you buy jeans that are already inexpensive if you follow this advice.
  4. Next, comparison shop at all the regular stores in your area, from department stores to specialty stores and even big box chains like Target and Walmart. Find out which stores are selling jeans for the cheapest. Remember to write down all this information so you don’t have to try to keep it all straight in your head.
  5. Keep an eye out for coupons or periodic sales and discounts that these stores will offer. Check circulars, online postings, and general ads in newspapers and the like to find out which stores are having sales when. Certain times of the year, such as near holidays and when seasons change, will also bring lower prices and other discounts. If you want to get cheap goods, you’re going have to be willing to work to do it by keeping your eyes, ears, and wallets open.
  6. There are some brick and mortar stores that sit somewhere between department stores and used stores in that the jean quality isn’t high but the price is certainly right. For example, a store like the (now-defunct) Steve & Barry’s might be a good option. Old Navy also sells good quality jeans for a cheap price. Again, it’s all about what kind of pants you’re looking for and your budget – which is why the first two ways above are so important.
  7. Check the clearance racks at all of these stores as well. You’ll find items marked down significantly simply because they are ‘discontinued’ or ‘out of date’ or whatever. Look long and hard enough and you’ll find some sweet deals.
  8. Next, check online retailers. It is quite easy nowadays to buy cheap jeans online – many people are doing it. If you are afraid about sizing issues, don’t worry. Most sites let you return clothes no problem because they want you to be comfortable with the process. In addition, you can try on the pants you intend to buy online at a local store. Once you find a fit, simply order them and you’re good to go. You’ll have to pay money for shipping, sure, but you will often save more money in the purchase price than you’ll pay for shipping, so it’ll be a net positive for you. Check all the jeans sites you can, from major departments stores websites, to online clothing retailers, and even to specialty denim stores.
  9. You could also try to buy jeans used online. Sites like Craigslist, Ebay, and the like allow users to sell to other users. While this may be creepy in some ways, you might find a good deal as long as you’re comfortable with buying other people’s used clothing. This is the best way to buy really cheap jeans, as you’ll get a lot of value for your dollar. You may even be able to get really expensive designer jeans for a very low price if you look hard enough! There are plenty of bargains available for the shopper willing to think and act creatively online.
  10. You could also buy used clothing in real life at thrift shops like Goodwill and The Salvation Army. You’ll get a good product for a good price, everything from regular jeans to the fanciest designer products. As long as you’re OK with wearing used clothing, this may be one of the best options for you to buy cheap jeans.
  11. Garage and yard sales could also be a good option. If you like bouncing back and forth between yard sales, you could find some jeans going out for steals. Think about it – some people gain and lose weight and thus have no use for their old clothing, some of which could be barely worn, and you can get it for a few bucks – why not give it a shot?
  12. Consignment stores are very popular nowadays, and flea markets are always a good bet. Of course, you’ll have to have these in your area for you to enjoy the benefits.

Any more ways? Leave them in the comments!

8 Ways to Get Free SMS on Mobile Daily

One fun thing to do with your cell phone is getting daily SMS or text messages sent to your phone. There are tons of free, daily text messages in a variety of categories. Some are humorous, like daily jokes, while others are inspirational, like daily quotes or saying. Others may contain the latest news, sports scores, or gossip. Whatever your taste or interest, you’ll be sure to find SMS messages that suit you. Here are eight ways to get free SMS on mobile daily:

  1. Note first that all normal charges from your cell phone provider apply – if you have to pay money for each text, you’ll eventually be hefting quite a heavy bill. Make sure you have a suitable text messaging plan before getting free daily SMS, especially if you subscribe for a lot.
  2. Think of the types of text messages you want to receive on your phone. All of the possible categories can’t be covered in this article, but here are some. One major category is humor, and there are even more subcategories of humor for every taste. Another category is inspirational quotes. These can be as general or specific as you want. Some enjoy getting them to remind them of their goals. Another popular category of message is daily facts or vocabulary words. This can help you learn something new every day, even before you get out the door for work or school! Another category is the daily riddle – sharpen your mind a little bit every day with these. There are many other categories besides this, of course, so brainstorm and you’ll find them.
  3. Think about getting image or video messages, too. Sometimes a cute picture or a funny video is the only thing you need to brighten your day.
  4. If you’d like a personal touch, or if you have tastes that somehow aren’t met by the huge supply of free SMS to your phone sites out there, never fear: You can also get custom daily text messages. If you want to send yourself reminders about tasks or behaviors that you want to maintain (e.g. you want to continue your diet), you can find sites that will send you personalized texts that you can use to your needs.
  5. Once you’ve figured out the general type of message you want, do a search on Google for that category of SMS message you want sent to your mobile. This will help narrow down your search more than just simply typing in “free SMS to my phone or mobile” or whatever else you can think of.
  6. You might have to sign up or give an e-mail to the site in order to get the texts. Consider whether you want to give out that information before you take the plunge.
  7. Enjoy your daily SMS! If you no longer want to get free SMS on mobile daily, simply unregister from the text service. Make sure you don’t get too many texts, as you may find that quality is better than quantity of texts.
  8. Your favorite websites, blogs, TV shows, movies, writers, celebrities, etc. might also send out free texts to those who sign up or register with them. You can get these SMS by signing up at their website