Images of various cars on a loop.

Choosing your first car is like finding a needle in a haystack! Do you go with a Jeep or a Honda? GPS or a sunroof? With so many options, your brain might throw in the towel.

Morty from the show Rick and Morty scratching his head while saying,

But hold on to your steering wheel because there are some questions you should ask yourself before deciding. Trust me, I learned this the hard way!

Give me the amount of time it takes to fill up a gas tank to share what I learned.

How will I pay for the car?

Image of various currency from around the world. Photo by Jason Leung on Unsplash

First, consider or calculate a budget. How much am I willing to spend?

Set a spending limit that's not too high or low. If I spend too little, the car quality might be impacted.

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If I pay in installments, am I able to keep up with the monthly payments?

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Through personal experience, I learned the importance of budgeting when I faced challenges in making payments. However, this taught me financial responsibility and prompted positive changes in my spending habits.

Should I buy new or used?

New and used cars might be in the same heavy-weight division, but knowing the differences can impact your choice.

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Consider the pros and cons before determining the winner!

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New Cars


  • eco-friendly alternatives

  • low maintenance

  • reliability


  • higher in cost

  • loses value over time

  • higher sales tax

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Used Cars


  • low in cost

  • pre-loved car could be as good as new

  • tax and insurance are lower


  • may require maintenance or repairs

  • fewer options

  • quality and reliability are not guaranteed

When considering between new or used, the decision was heavily influenced by my budget. Choosing a used car within my financial limit allowed me to purchase a reliable and maintained vehicle.


Imagine you want a new car. You care about reliability and the environment. However, you're mindful of your budget. What aspect should you consider a priority?

Where else will my money go?

I got the car under what?

A little blonde girl with bucked teeth looking very confused as she sits in a car.

Here are some things to consider when owning a car:

  • Vehicle inspections ensure a car passes safety and emissions regulations or both. It could vary from country to country.

  • Vehicle insurance covers car damage, injuries from accidents, and liability. If you're planning on getting a new car, keep in mind that insurance costs are higher.

  • While maintenance and repairs are unavoidable, used cars may have higher costs depending on their age and mileage.

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I chose a used car, as it fit my budget despite some maintenance issues. Low insurance costs and regular inspections made this a great purchase!

Take Action

A salesman selling a car at a dealership parking lot.

When buying a car, remember preparation and asking the right questions can make the process less overwhelming.


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