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!

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!

18 Ways to Save Money on a Tight Budget

Just like it’s easier to avoid unhealthy foods than to burn them off with exercise, it’s easier to avoid paying unnecessary money than to have to work extra to account for that cash. In other words, sometimes the best way to make money is to save money! Everyone – poor, rich, or in between – can benefit from easy ways to save money. This list of ways to save money will start with the larger money savers and descend to the smaller ones. Here are some tips that will help you in your question for wealth:

  1. Big purchases have the most impact on your bottom line. Making your best effort to save on cars, boats, homes, education, and other large expenditures will save you tens of thousands of dollars over your lifetime. While the rest of the tips are useful in saving you dollars and cents, concentrating most of all on getting great deals on these purchases is the best way to save money.
  2. Related to the above, watch out for high interest rates on loans. Whether a mortgage, car loan, personal loan, or the dreaded credit card, interest payments can eat into your savings and lower the amount of cash on hand. Try to avoid using lines of credit whenever possible. Credit cards are OK as long as you pay them off in full every month and avoid interest charges.
  3. One way to lower your interest charges if you do have to take out a loan is to maintain a high credit score. This means you must avoid late payments, don’t max out credit, and pay off your debts in full. Order a free credit report from each of the credit agencies once per year to monitor your current status and to check for errors that may be hurting your credit history.
  4. Look for ways to get extra money without having to do a bunch of work. This can come in the form of gift certificates, gift cards, prizes, and other offers that you can use to make ends meet. For example, click here for a way to get a $1000 Visa gift card (details apply).
  5. Cut back on non-essentials. This means actually going out and stop purchasing the gadgets and gizmos that drain your bank account, even if they are fun.
  6. Lower you food bills by cutting out the restaurant trips. This doesn’t mean you have to totally stop going out to restaurants, especially if you have coupons.
  7. Don’t buy or lease new cars. Automobiles lose a ton of their value the instant they leave the lot. To get the reliability and ‘newness’ of a car without paying inflated prices, buy ‘like new’ cars with around 30,000 miles or less.
  8. One of the best ways to save money is to cook more breakfasts, lunches, and dinners at home. Eating out constantly, especially with the high costs associated with drinks, alcohol, and tips, can really add up over time. This is especially true if you have a large family. The more you can coordinate meals, buying in bulk and preparing food ahead of time, the more overall money you can save.
  9. Also, avoid snacks and drinks (including coffee) when you are out on the town. They may seem cheap at the time, but $1 -$3 charges will accumulate rapidly, hitting your bank account hard without you even realizing it.
  10. Determine what you truly love to do and invest your money into that. Buying useless trinkets, gadgets, DVDs, and other stuff may make you feel good at the time, but the fun fades as the novelty goes away. Then you’re off to buy the next hot thing. Find a hobby or two that you enjoy and spend your time and resources on that. Perhaps you love to play the piano, so you spend money on instruments and music. Or perhaps you like your car, so you spend more time with that, or you like to cook, so you buy cook books and kitchen accessories. Whatever your love, find it and develop it.
  11. Use more public transportation, car pooling, or walking/biking to get around. The price of gas isn’t going down anytime soon, and it will most likely continue to ride. Also, the more you use your car, the more maintenance is required. If you could get rid of your car altogether, think of how much you’d save in insurance, maintenance, and car payments! This is one of the great ways to save money on a tight budget.
  12. Buy in bulk. The more you buy at one time, the less you’ll pay for each unit, saving you cash in the long run.
  13. Buy items online. You can save tons of money by buying from sites like amazon.com that can get you steep discounts on everything from clothes to household supplies to toys. Also checkout sites like craigslist and Ebay for other great deals on secondhand goods. In fact…
  14. Buy used goods whenever possible. A huge secondary market exists filled with people wanting to sell their stuff. You can get so much like new stuff – including clothing, cars, video games, furniture, whatever – for a mere fraction of the cost if bought new. Check out thrift stores, garage sales, and discount stores in real life, and auction sites, craigslist, and other sites on the internet.
  15. Drain the maximum value or use out of everything your purchase. Whether it’s food, clothing, or entertainment, get the most out of every dollar you spend. Look for ways to get extra cash to supplement your budget as well.
  16. Use the library. Your local library has thousands of books and DVDs that you can borrow for free. Stop buying books for full price at the book store, and don’t waste your cash on movies you watch once, even if you rent them. Exploit the library to the fullest possible extent. You might even learn some new info and skills in the process.
  17. Always be on the lookout for places to cut, scrimp, and save. Saving 50 cents here, $1.50 there, and 35 cents here will add up over time for a minimum of effort.
  18. Avoid silly fees wherever possible – late fees, annual fees, interest fees, overdraft fees, etc. These are all completely avoidable with some careful attention to your finances and financial choices.
  19. Use fewer utilities. Conserve electricity, water, and heat, and kill your internet, cable, or phone bill. Your wallet will thank you for it.