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Regular Car Maintenance Can Reduce Payday Loan Usage

Written By Devi Kristanti on Sunday, August 17, 2014 | 11:36 PM

Finances and cars often go hand and hand; not only are cars expensive, but they require maintenance, much like one's finances. Individuals are wise to treat their cars like their finances, taking measures to keep everything running smooth and in good order. The best way to keep your car, and in turn your finances, healthy is to keep up on all regular scheduled maintenance. Don't let a small problem become a huge financial burden. By taking care of the little things your car requires, you can consequently safeguard your finances, keeping you from seeking out a payday loan when expensive car issues arise.

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Neglecting regular car maintenance can have serious financial consequences, leading to payday loan usage and expensive repairs. Skipping a few twenty dollar oil changes can cost a car owner hundreds if the engine develops deposits and needs substantial repair, while forgetting to rotate one's tires can lead to dangerous blow-outs and lower gas efficiency. Additionally, many car warranties are dependent on the owner's promise to keep up on maintenance; failing to do so can void a warranty, leaving the car owner with the cost of repairs that may have otherwise been covered.

The best way to maintain both vehicular and financial health is to regularly have one's car serviced. The following is a list of regular maintenance that car owners should heed.

*Oil Change: A car should have its oil changed every 3,000 to 7,000 miles, as an integral part of car maintenance. Forgoing oil changes is bound to have a serious effect on a car's engine, which can cost the owner a lot of money and time. There are many businesses that conduct quick oil changes in less than a half hour; thus, taking the car in for this service is only a minor inconvenience. Having a professional change you oil is relatively inexpensive-roughly twenty to thirty dollars-but you can also do the oil change yourself, if you know how, and save a bit of money.

*Tire Rotation: Tire rotation is a very inexpensive and quick service that makes a huge difference in the function of your vehicle. Rotation ensures the longevity of a tire as it helps the tire to wear evenly. If tires are not regularly rotated, they will wear faster and need to be replaced, which can be very costly. Keeping tires in good repair also help to save on gas, as the vehicle performs better and gets better gas mileage. Tires should be rotated every 5,000 to 10,000 miles, or every other oil change.

*Brake Checks: Brakes are the most important safety feature in a vehicle. As such, they should be check regularly to maintain optimal functioning. Brakes should be replaced approximately every 25,000 miles. Furthermore, if brakes squeak or vibrate, they should be checked, regardless of mileage. It is a good rule to have your brake depth checked during every tire rotation, as a safety precaution. Not taking care of your car's brakes is inviting financial and possible safety issues. It is not worth it.

*Fluid Checks: Your car's fluids are like their blood; the car will die without them. Having car fluids, including transmission fluid, engine coolant, brake fluid, and oil should be checked and topped off every time a car is serviced. Many fluids can easily be checked at home.

Clearly, car maintenance is a smart financial investment. Avoid succumbing to payday loans or car title loans to pay for car repairs: have your car serviced regularly.

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