Complete your monthly
spending plan based on your current situation. Start with your monthly
take-home pay.
This is the amount you have
left after taxes and other deductions have been made.
Monthly Take-Home Pay _____________
Total _________________________
Food
_________________________
Transportation
__________________
Clothing
_______________________
Personal
______________________
Entertainment
__________________
Gifts & Contributions
____________
Education
_____________________
Credit Card Payments
____________
Other Loan Payments
____________
Other Vehicle Payments
__________
Miscellaneous
__________________
Total _________________________
Now subtract your monthly expenses from your monthly earnings and that is the maximum
that you can spend for a new car.
Keep in mind the following
charges that will effect your car payment each month;
Down Payment
Extended Service Contract
(Optional)
Credit Insurance (Optional)
Guaranteed Auto Protection
(Optional)
Other Optional Products:
Amount Financed
Finance Rate (APR)
Finance Charge
Length of Contract in
Months
Monthly Payment Amount
Any items that are
"optional" are not required for the purchase. If you do not want
these items, tell the
dealer and do not sign for them.
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