Announcement!

IT’S ALIVE, IT’S ALIVE! Prudent Financial Services is proud to announce we have officially launched our all new website.

Our site is filled with useful tools and links to make managing your money easier.

Need a credit report? Click through our Useful links section
Use our Budget worksheet to manage your personal finances
Buying a car? Request your car proof history report
How much should you spend on a home? Find out through the Mortgage Calculator

And we’ve gone social! Join us on Facebook, Twitter, You Tube and BlogPages for daily scoops on saving your money with free movies, restaurant freebies, great outdoor activities for the whole family across the GTA as well as all the essential financial facts you really must know – and often don’t!

And much, much more.

Go ahead, check out the link below and take a peek for yourself.
http://prudentvaluecars.com/

Had a payday loan lately? Find out how much more you could have saved with Prudent

Please feel free to leave comments on any of our Social Networking Sites as we're eager to get your feedback!

Finances can be challenging

Are you constantly ignoring your telephone calls to avoid the collectors? Are you stuck in a payday loan trap? Are you left with little to no money after paying for all the necessities in life such as food? These are all common financial challenges that may lead to chronic health issues and too many of us eventually endure. What can you do to stop this from happening to you? We need to financially educate ourselves so that we feel empowered to make lasting changes in the ways we manage our personal finances.

How do I educate myself?

There are so many reasons why one would neglect their finances. We need to figure out what’s stopping us from taking control of our finances. Here are a few points to remember:

• Try to always keep in mind the impact that financial instability can have on yourself and your loved ones.
• Stop making excuses and change your thought pattern. Instead of telling yourself that you get discouraged when you look at your finances, tell yourself that it’s not the money but the way you feel about money that causes you to get discouraged.
• You should keep track of all your spending by creating a budget and don’t forget to include all miscellaneous spending.
• Financial burdens can affect your sleep so know that repeated nights of no sleep will impair the function of your immune system and can lead to more chronic illnesses. Helping yourself stay focused on your finances and knowing that your working towards financial health is a good start.

Life is stressful enough without the added stress of finances. Whether you’re stuck in a payday loan trap and/or have a bad credit history that you need to rebuild, start with the tips above and seek help and alternatives such as Prudent Financial Services who is the leader in loans to people with bad credit histories and will help restore your credit.

With the prices of food and fuel on the rise, we need to stop facing the brunt of financial mismanagement now! This will require effort but the goal to secure a better future for you and your family is nothing in comparison.

Good luck on your road to financial health! For more valuable information, please visit us at http://prudentvaluecars.com/

Buying a great vehicle from a great dealer

Car dealers sell their vehicle depending on the supply and demand for that particular make. A vehicle is mainly worth what someone is willing to pay for it and people will pay above selling price for a vehicle in high demand.

There’s a lot more than simply negotiating with a seller. You must do your homework, research the vehicle you’re interested in. Find out what similar vehicles are selling for factoring in the mileage, year, condition etc.. It’s not always an easy task but with just a little patience, you’ll be able to come up with an pretty close estimate to the actual value.

Keep in mind that when purchasing a vehicle for a really great deal doesn’t mean that you’re purchasing junk. Sometimes a salesman will cut their commission just so they sell the vehicle to get rid of the stock. No matter who you’re purchasing a car from, you have to expect some negotiating which is why researching before you go into the showroom is necessary.

You should research your financing options. Compare interest rates through financial institutions, banks, loan companies or the dealership.

Prudent Value Cars offers same day financing at our loan centre. Prudent also finances cars from a dealership of your choice. Prudent Value Cars vehicles are top quality, pre-owned cars and trucks with low kilometres. We offer flexible financing
for all kinds of credit and zero down for qualified customers.

To view Prudent Value Cars inventory, visit  http://prudentvaluecars.com/

The Skinny on Nearly New Vehicles

Buying a nearly new vehicle is so much easier today than it used to be. A two to four year old used car can offer the customer the same reliability, performance, style and comfort that a new car can. Cars are built much better nowadays so a four year old car drives a lot like a new one, PLUS it sells up to 60% less than a new vehicle.

Dealers now offer the consumer another level of protection in the form of certified used vehicles. These are nearly new cars that meet specific qualifying standards. These vehicles have been carefully inspected, serviced and are backed up by extra warranties. The consumer can also purchase additional after market warranties.

One of the biggest changes these days are how cars are bought. You can now shop online for a car from all across the country. Shoppers should be more cautious when purchasing a vehicle using this route.

It is extremely important to do your research before you buy. Prudent Value Cars offers top quality, pre-owned cars and trucks with low kilometres. Please visit our inventory at http://www.prudentvaluecars.com/inventory.html.

Why it's smart to think Prudent Value Cars

About Prudent

Prudent Financial Services has the most affordable loans to people with bad credit histories in the GTA. Prudent has been specializing in repairing credit with open, affordable, same day loans to discharged and undischarged bankrupts, people whose proposal is almost paid off ,or people with paid off debt who still have bad credit scores. Since 1984 Prudent Financial Services has been specializing in repairing credit through open, affordable and same day loans in the GTA.

In 2004, Prudent created Prudent Mortgage Corporation and in 2008, Prudent opened their own auto dealership which now makes Prudent a one stop centre for all your financial needs.

Why you should choose Prudent Value Cars

• Top quality pre-owned cars with low kilometers and premium safety checks
• 30-day free bumper-to-bumper warranty on all mechanicals. If something goes wrong, we fix it. Also, one-year powertrain warranty.
• Certification and emission
• Full history reports of cars we sell
• Flexible financing for all kinds of credit
• Premium Safety Checks
• Important credit repair services offered at Loan Centre

Also, if you don’t see the car you want, most of the time we can get it for you. We also finance cars from any dealership of your choice!

Drive with confidence in a Prudent Value car. Visit our inventory at www.prudentvaluecars.com/inventory.html

Car check list before a long road trip

You may feel that your car drives well and is in great running order but that doesn’t necessarily mean your car can withhold a long road trip. You need to make sure your car is ready to go the distance and want to avoid any mechanical problems if possible.

Here is a checklist on things to go over before your road trip:

Check under the hood

It’s always best to change the oil before any long road trip. You want to check the transmission fluid, coolant, battery, hoses and belts. Your engine will work harder on a long road trip and you’ll want to make sure there are no cracks in the hoses or belts.

Check your tires

Check the tires, suspension and the steering. Make sure you have the right tire pressure. Recommended pressure should be indicated in the owners manual. There is a safe limit of the tread wear, if the tread is below this limit, it is unsafe to drive. Take a trip to your reliable mechanic a couple weeks prior to your trip to check steering and suspension. This will leave you enough room should there be a need to get work done. Also get your mechanic to check the CV joints.

Check equipment

Check your lights, horn and wipers. A spare set of wipers should be on your list to bring along. Check the window washer fluid and also carry a gallon along with you on your trip. Check the AC and heater and make sure there are no noises. If there is, have your mechanic take a look to confirm all is okay with the heating and cooling system.

Check your spare tire

A spare tire and a jack are definitely needed. Check to make sure that the spare tire has air. The jack and the lug nut wrench must be the right size for the car.
Don’t forget an emergency kit while travelling long distance and enjoy your ride.

For more valuable tips and information please visit http://prudentvaluecars.com/

Common things that ruin your car.

Regular car maintenance and taking car of your car is very beneficial to the longevity of your car and will help you save dollars in car repairs, however, here are some common things that people do that can actually damage their cars.

Not coming to a complete stop before shifting – A lot of people make the mistake of shifting the car into drive before the car comes to a complete stop. This wears out your car’s transmission and puts a lot of stress to your drive shafts.

Not using your parking brakes – When you park on a hill and don’t use your parking brake, you’re actually putting all the stress of your car on the transmission. Emergency brakes come in handy in many situations. Get in the habit of using your parking brakes every time you park.

Riding the brakes down a hill – This is a very common mistake because it feels like the safest way down the hill. Braking the entire way down the hill will heat up and wear out your brake pads and cause problems with your tires. The best way down the hill is to break and let up off the brakes.

Revving your car during the winter – Revving your car when you start it may be the quickest way to warm up your car but your actually causing damage by doing this
frequently. The car should be left idling for about 30 seconds in order for the oil of the engine to lubricate and get through the engine.

Neglecting bad car sounds – When your car makes a sound, pay attention as it’s trying to tell you something. Ignoring these sounds can actually become worse and worse until it is a major problem and a major dent in your wallet.

A lot of the time we do these things without realizing it so take the time to change bad habits before it causes damage to your car. Taking car of your car is a great way to save money.

For more valuable information and tips, please visit http://prudentvaluecars.com/