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Browsing posts in: Emergency Fund

How to Avoid Buying a Lemon in a Large Car Market

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When buying a used car in a big market, the options can feel limitless—and risky. It’s easy to get overwhelmed or swayed by flashy deals and slick sellers, especially when demand is high and vehicles move quickly. Avoiding a lemon requires more than just a test drive; it involves careful research, legal awareness, and some eco-minded choices. By taking the time to check vehicle histories, understand contracts, and prioritize sustainable decisions, buyers can feel more confident. Whether you’re buying from a dealer or private seller, protecting your money and peace of mind is worth the effort.

Know the Size of the Market

Many buyers don’t realize how big the U.S. car market is. With over 121 million households owning at least one car, according to Hedges & Company, competition is fierce. That’s why sellers can be less than transparent when it comes to disclosing a car’s true condition. Don’t rely solely on listings or verbal promises. Make time for professional inspections, and run vehicle history reports that check for previous accidents, title issues, and flood damage. Even well-known dealerships can sell lemons if you aren’t careful. A few extra steps upfront can save you a lot of money in repairs later.

In such a saturated market, some buyers also fall into the trap of urgency. Limited-time deals and price drops may pressure you to act fast, but patience is key. Taking a day or two to consult a mechanic or review a vehicle’s full service history can make a major difference. Remember, the right deal is one that protects both your investment and your long-term satisfaction—not just your wallet today.

Understand What You’re Signing

It’s easy to overlook the fine print when you’re excited about a car, but a contract is not just paperwork—it’s your protection. A contract is a legally binding agreement between two or more parties that creates enforceable obligations. That means if something goes wrong later and it wasn’t clearly stated, you might not have legal recourse. Always read the contract thoroughly, and ask questions about warranties, return policies, and additional fees. Spending the time now can help you avoid losing money on terms you didn’t understand or agree to.

In many cases, buyers don’t realise that “as-is” sales mean they have little to no protection once the keys are handed over. Don’t hesitate to walk away if the seller refuses to provide a clear contract or answer your questions directly. A little hesitation now can save you years of regret and thousands of dollars.

Think About Long-Term Value

While the initial price tag matters, a smart buyer looks beyond it. Consider fuel efficiency, maintenance history, and environmental impact. Choosing a car with a reliable service record will likely cost less in the long run. When you’re evaluating your purchase, remember the role of recycling and energy use. According to House Grail, recycling a car battery saves up to 90% of the energy and greenhouse gas emissions compared to producing a new one. Choosing vehicles with a longer lifecycle helps protect your money and supports greener choices.

Also, take into account the availability and cost of replacement parts. Some cars are notorious for pricey upkeep or rare components. If your goal is to save money over time, opt for models that are affordable to maintain and service locally. Regular maintenance should be easy, not a financial burden.

In a large and fast-moving car market, it’s important to approach every deal with caution and preparation. Do your research, demand proper documentation, and evaluate long-term ownership costs—not just the sale price. From understanding legal contracts to supporting eco-friendly practices, each step you take can help reduce your risk of driving away with a lemon. Protecting your money is about more than negotiation—it’s about strategy and awareness.

Trust your instincts and prioritize transparency over convenience. Ask the right questions, seek independent advice, and don’t be afraid to walk away. With a thoughtful approach, you can make a purchase that brings confidence instead of regret. Spend your money wisely, and it’ll reward you in the long haul. Making the right choice today can lead to years of reliable, worry-free driving.

Phew – What a month – Income!

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I had great intentions of posting so much last month. And then, well work!

Here’s a glimpse, a partial glimpse of how my month went work-wise.

Client #1

Screenshot of invoices to clients for July

And this is invoicing to one client. Ignore the Overdue note, that is a payment plan for a website. He’s paid 50% down, but the other two payments are due as milestones are hit. I should receive the remainder by the end of August.

This is my newest client. He’s also my lowest paying client right now. (Well, since client #3 gave me a raise last week.) But makes up for that in volume. He’s been with me since March.

Client #2

I actually got to meet this client in person during a long weekend trip to Chicago. Don’t worry, the whole trip cost me less than $70. I used points for the flight, paid for one meal for Princess and I, and staying with her in her hotel that her new job is paying for.

My client paid for all my other meals outside of breakfast which was included with the hotel. And he drove me to and from the office. Win-win!

This client has been with me since February. Some week’s are great. And some are silent. He pays me $60 per hour these days.

Client #3

I actually got a raise this past month, but won’t see it in my income until this month. But went from $20/hr to $40/hr – woot, woot! I only work between 2-7 hours per week for this client. But it’s been steady since either February or March. And I genuinely enjoy the work. And the people. (I really enjoy all my work and all the people with few exceptions.)

Other Clients

I’ve got 1/2 dozen or so other clients that are hit and miss every month for hours or projects. But these three above have been with me since this past spring. And they are all growing in hours, responsibility, and money. But phew, this has been a busy month.

Income Overall

Hopefully this gives you some insight into my income. For July, I received the amounts listed for clients #2 and #3, for client #1, I received a $2,500 deposit for a web project and just at $3,000 for June work.

About a 1/3 of all income goes to the government in one form or fashion. And the rest to budgeted items. I’ll get an update for my savings and debt out this week. *crossing fingers that I have a moment to breathe.

And I’ll finish that series on where the house money went too. Promise I’ve just been slammed with work! A good thing that I am so grateful for.