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Car shopping can be a nerve-wracking experience. but this helpful infographic will help you find the ideal time to buy a new car.

Owning a car is an expensive proposition. It can add several thousand dollars per year in expenses to an already tightly stretched budget.

"I'm not advocating buying a new car when you graduate (especially if you have student loans to pay off, or you're having a rough time catching on in today's job market), but if you do want to give yourself a graduation treat you should be aware that most of the major car makers offer some pretty superb cool graduate rebate programs on new vehicles. "

"Let's presume that it means you want to be an eternal student, right? You don't want to get a job for whatever reason or reasons. Perhaps you feel you're not ready to take on the responsibilities of the "real world". Job, career, relationship, marriage, kids, expensive cars, big houses, two holidays abroad each year, big credit card debt, mortgage for 25 years."

Your credit score is vital for most important things in life: buying a house or a car, getting a job, etc. But how to raise your credit score if you have had bad credit in the past? And how do you keep it high?