Smart Money Moves: Cars and Big Purchases

Smart Money Moves: Cars and Big Purchases Is a practical, step-by-step program that helps students and families make confident decisions when buying a car—or any major purchase—without getting trapped by high payments, bad financing, or hidden costs. Guided by real-world examples and clear money math, learners build the skills to compare options, plan ahead, and protect their credit while still getting what they need. Inside the program, you’ll learn how to set a realistic budget, calculate the *true* cost of ownership (insurance, taxes, maintenance, repairs, fuel, and fees), and decide whether buying new, used, or leasing makes the most sense for your situation. You’ll also learn how credit scores affect approvals and interest rates, how to shop for financing, how to read loan terms, and how to spot common dealership tactics that can quietly raise the total price. By the end, you’ll be able to evaluate big purchases like a business decision—using a simple checklist, smart negotiation strategies, and a plan that keeps your monthly budget strong and your long-term goals on track.