What is the Debt Avalanche Method?
How to Pay Off Debt with the Avalanche Method
Do you hold debt? Whether it is your credit card, a car loan, a student loan, or medical bills, nearly every American carries some debt, big or small. As you accumulate more debt, it may not feel obvious which debts you should tackle first. Should I spread out my payments among all my debts or focus on just one? At OKCarz, we will discuss what the Debt Avalanche Method is and how it can help you pay off your debt.
[ READ MORE: Tips to Improve Your Current Personal Budget ]
How the Debt Avalanche Method Works
The idea with the Debt Avalanche Method is to tackle the high-interest debt first, regardless of the principal is still on each of your debts. This method is known for being very cost-effective and quick. Here’s how you can use the Debt Avalanche Method:
- Continue making minimal payments on each of your debts like normal.
- Make a list of your debts and list the interest rate for each.
- Calculate how much money you have left after paying your bills.
- Use any remaining money you are able to spend towards your highest interest debt.
- Continue until your highest interest debt is fully paid off, then move on to the next one.
By sticking to the Debt Avalanche Method, you can reduce your debt quickly while minimizing the amount of interest you pay. However, you should note that the Debt Avalanche Method isn’t the best option for everyone as it can take a long time to see results. If you give the Debt Avalanche Method a shot and it feels stressful to use, consider switching to the Debt Snowball Method. Also, don’t forget to stay positive about tackling your debts. Afterall, every extra payment you make will bring you a step closer to being debt-free.
Are you looking for more ways to reduce debt and save money? Follow the OKCarz blog for a diversity of informative posts, including financial tips, vehicle maintenance FAQs, and more!
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Can you fix your credit score?
Are you able to repair a bad credit score?
Your credit score can make or break your ability to purchase a vehicle, even if you’re just looking for a used car. Drivers who are struggling with bad credit might be wondering if there is a way to repair their credit score. Of course, over time you can begin to fix a poor credit score, which can make it easier to qualify for loans. The best way to begin to repair your credit score is to follow these tips, which will help get you started on the road to having secure finances.
The first step to improving your credit score is to get a copy of your credit report. Every year, you’re entitled to a free credit report from the three different reporting bureaus. Viewing these reports will not damage your credit score, and there may even be some mistakes on the report that could raise your score if you dispute them. If your credit reports are correct, it doesn’t mean that there’s nothing you can do to raise your score. One thing that you can do is pay off any late or missing payments, as well as any current balances. If you have missed payments that are in collections, just paying them off won’t erase the mark from your credit report so it might take some time before the payment is completely off of your record.
[Related: How to check your credit score and credit report]
How to repair your credit score
Once everything is paid off, you can begin rebuilding your credit score by making payments on the accounts you already have open. While you’re in the rebuilding stage, do what you can to not close or open new accounts, as both of these can affect your credit score. As long as you pay off the minimum or the total balance on your accounts every month, you should be able to see improvement on your credit score over time.
While it can be difficult to wait to purchase a vehicle while you repair your credit score, if you’re still paying off the balance on other loans or cards, your best bet is to wait it out. However, if you’re in a financing situation where you’re looking to rebuild your credit and you need to purchase a vehicle, OkCarz is able to help. Apply for pre-approval online to see what you’re able to OkCarz can help you fix your credit score and work your way into being able to qualify for traditional bank loans.
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Best Golf Courses Tampa FL
Best Golf Courses Tampa FL
rn By Product Expert | Posted in Local Events on Friday, May 25th, 2018 at 5:30 pmrn
Tampa-Area Golf Courses
Buckhorn Springs Golf & Country Club
rn2721 S Miller Rd
rnValrico, FL 33594
rn(813) 689-7766
Countryway Golf Club
rn11111 W Waters Ave
rnTampa, FL 33635
rn(813) 854-1182
Rogers Park Golf Course
rn7911 N 30th St
rnTampa, FL 33610
rn(813) 356-1670
TPC Tampa Bay
rn5300 W Lutz Lake Fern Rd
rnLutz, FL 33558
rn(813) 949-0090
Rocky Point Golf Course
rn4151 Dana Shores Dr
rnTampa, FL 33634
rn(813) 673-4316
Babe Zaharias Golf Course
rn11412 Forest Hills Dr
rnTampa, FL 33612
rn(813) 631-4374
Heritage Harbor Golf & Country Club
rn19502 Heritage Harbor Pkwy
rnLutz, FL 33558
rn(813) 949-4886
Dunedin Golf Club
rn1050 Palm Blvd
rnDunedin, FL 34698
rn(727) 733-2134
Westchase Golf Club
rn11602 Westchase Golf Dr
rnTampa, FL 33626
rn(813) 854-2331
Temple Terrace Golf & Country Club
rn200 Inverness Ave
rnTampa, FL 33617
rn(813) 988-1791
Feather Sound Country Club
rn2201 Feather Sound Dr
rnClearwater, FL 33762
rn(727) 573-5666
Old Memorial Golf Club
rn13600 National Golf Dr
rnTampa, FL 33626
rn(813) 926-8888
Palma Ceia Golf and Country Club
rn1601 S MacDill Ave
rnTampa, FL 33629
rn(813) 251-3673
USF
rn13801 N 46th St
rnTampa, FL 33613
rn(813) 632-6893
The Eagles Golf Club
rn16101 Nine Eagles Dr
rnOdessa, FL 33556
rn(813) 920-6681
Are you looking for a good deal on a used car? Come check our incredible selection of pre-owned vehicles at OkCarz!
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What is the Difference Between All-Wheel Drive and 4-Wheel Drive?
rn By Product Expert | Posted in Comparisons on Friday, May 25th, 2018 at 7:40 pmrn
The Difference Between AWD and 4WD
All-Wheel Drive and 4-Wheel Drive are terms that are often used interchangeably. While both drivetrains offer improved traction, they are not interchangeable. These two terms describe different drivetrain options. Let’s dig into these two terms and identify the differences they have.
All-Wheel Drive
All-Wheel Drive vehicles are typically some of the safest vehicles on the market. How 4WD and AWD operate is the distinguishing features between the two drivetrains. AWD, unlike 4WD, is always active. All-Wheel Drive allows for some improved traction and handling during hazardous conditions and offers limited off-road capabilities. AWD can be found on several used SUV models available at OkCarz in Lakeland FL.
AWD Pros
-
- The system is computer-controlled and doesn’t need to be activated by the driver
-
- Automatically adapts to road conditions
-
- Works at slow and high speeds
-
- Provides sportier handling and improved traction
AWD Cons
-
- Places added wear and tear on tires
-
- Adds weight and reduces vehicle’s fuel economy
-
- Very limited off-road capabilities
-
- Increases vehicle purchase price
4-Wheel Drive
Conversely, 4-Wheel Drive offers much better off-road capabilities than the All-Wheel Drive option can. 4WD is a purely mechanical system. As a result, the driver must manually activate 4WD. 4-Wheel Drive is most common on vehicles that need to have off-road capabilities, but do not always require those capabilities. 4WD can be found on several used truck models available at OkCarz in Lakeland FL.
-
- Offers superior traction and control in off-road conditions
-
- Higher vehicle clearance
-
- Fuel-efficiency is increased when deactivated
4WD Cons
-
- Not suitable for all driving conditions, particularly dry pavement
-
- Adds weight and limits fuel economy when activated
-
- Must be manually activated by the driver
More Comparisons: Should you buy a truck with a diesel or gasoline engine?
Hopefully, you are much more informed on the differences between all-wheel drive and 4-wheel drive. You are now able to make a better decision on your next vehicle. Regardless of the choice you make, be sure to stop by OkCarz in Lakeland FL to purchase a great used vehicle today!
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Chrysler Pacifica Safety Rating
If you’re shopping for a family vehicle and want to get one that can offer you the versatility you need every day, including lots of interior passenger and cargo space, the Chrysler Pacifica is a perfect choice. Besides offering you impressive versatility, the Chrysler Pacifica also has an incredible list of innovative technology features, luxurious comfort amenities and an amazing number of high-tech safety features. Keep reading to learn more about how all the high-tech safety features have helped give the Chrysler Pacifica a top rating for passenger protection.
[Visit Model Review and Research Page: Chrysler Pacifica]
Chrysler Pacifica Safety Features
Safety comes first in the design of the Chrysler Pacifica family crossover, that’s why it’s a top pick for many drivers who are looking for superior protection on the road. The Chrysler Pacifica has earned a top safety rating thanks to its long and impressive list of advanced safety features and innovative technologies. The outstanding list of safety features you can get in a Chrysler Pacifica crossover include things like a surround-view camera, a rearview camera, ParkSense® rear park assist with stop and available front park assist, parallel and perpendicular park assist, rear cross-path detection, full-speed forward collision warning with active braking, adaptive cruise control, lane departure warning, lane keep assist, blind-spot monitoring, and hands-free calling.
Other safety features you’ll find in a Chrysler Pacifica include advanced multistage front airbags, electronic stability control, hill start assist, front passenger seat belt alert, sliding door alert warning, a tire pressure monitoring system, supplemental side-curtain airbags, supplemental front seat-mounted side airbags, remote keyless entry, passenger inflatable knee-bolster airbag, and many others.
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Subaru Forester Passenger and Cargo Space
Thanks to its standard all-wheel-drive and spacious interior that provides the versatility and utility you need, the Subaru Forester has become a top choice with many crossover SUV shoppers who are looking for a bargain. A used Subaru Forester has an interior that gives you a spacious and comfortable seating and a large amount of cargo space. With versatile seating and a tall roof line, the Subaru Forester gives you all the space you’re looking for in a used compact crossover SUV. Keep reading to learn more about how many passengers a used Subaru Forester can carry and how much cargo space it has.
[Model Review and Research Page: Subaru Forester]
Subaru Forester Passenger Space
The Subaru Forester is one of the most popular choices for a crossover SUV for many reasons. A spacious interior that provides comfortable seating for up to five passengers is one of them. With seating for up to five passengers and a long list of comfort features and options to choose from, it’s easy to understand why a used Subaru Forester is a top pick for a versatile crossover SUV. The Subaru Forester also offers 111.9 cu-ft of passenger space.
Subaru Forester Cargo Space
The interior of the Subaru Forester offers more than just comfortable seating for five passengers, it also gives you a lot of cargo space you can use to haul large items and things you need to take with you when you go on an adventure. The spacious interior of the Subaru Forester provides you with up to 76.1 cu-ft of cargo space, which gives you plenty of room for all things you’ll need to haul or transport.
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rn By Product Expert | Posted in Chrysler Pacifica on Thursday, August 23rd, 2018 at 10:38 amrn
Used Chrysler Pacifica Family Features
If you’re in the market for a vehicle that can provide your family with the interior features they need to enjoy every drive, you’ve just found the perfect vehicle. A used Chrysler Pacifica can offer you many of the technology and comfort features you are looking for and the passenger and cargo space you need every day which has helped make it an easy pick for many drivers who are searching for a new family vehicle. The long list of family features that are available in used Chrysler Pacifica models includes some of the auto industry’s most innovative technologies and comfort items.
[Vie Inventory: Used Chrysler Pacifica]
Used Chrysler Pacifica Technology Features
The interior of a used Chrysler Pacifica model can be loaded with family-friendly technology features that help keep every passenger entertained and connected while on the road. No matter which used Chrysler Pacifica model year you’re looking at or are interested in buying, you’ll find an incredible list of standard and available technology features to choose from that your family will appreciate having. The lengthy list of high-tech features available in a used Chrysler Pacifica include favorites like a rear entertainment system with dual monitors, Blu-ray™ player, HDMI inputs, Bluetooth®, wireless headphones, wireless streaming, Uconnect® touchscreen infotainment system with voice commands, Android Auto™, Apple CarPlay™, satellite radio, premium audio system, a navigation system and many others that help make every ride more enjoyable for every passenger.
Used Chrysler Pacifica Comfort Features
The spacious interior of a used Chrysler Pacifica offers the comfort and convenience you and your family are looking for in a vehicle. With its three rows of versatile seating and multiple seating configurations, the Chrysler Pacifica can easily offer you the space and comfort you need every day. The impressive list of comfort features available in a used Chrysler Pacifica include leather upholstery, the Stow ‘n Go seating and storage system, second-row Easy Tilt Seating, heated and ventilated seats, power-folding third-row seats, built-in vacuum (Stow ‘n Vac®), cupholders, map pockets, power-adjustable seats, automatic climate control, rear air conditioning, power accessories and much more.
[You May Also Like: Cadillac Escalade Interior Passenger and Cargo Space]
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Large interior of Chrysler Pacifica offers impressive amounts of passenger and cargo space
Interior of used Chrysler Pacifica can be loaded with family-friendly features
rn By Product Expert | Posted in Chrysler Pacifica on Thursday, August 23rd, 2018 at 10:38 amrn
Used Chrysler Pacifica Family Features
If you’re in the market for a vehicle that can provide your family with the interior features they need to enjoy every drive, you’ve just found the perfect vehicle. A used Chrysler Pacifica can offer you many of the technology and comfort features you are looking for and the passenger and cargo space you need every day which has helped make it an easy pick for many drivers who are searching for a new family vehicle. The long list of family features that are available in used Chrysler Pacifica models includes some of the auto industry’s most innovative technologies and comfort items.
[Vie Inventory: Used Chrysler Pacifica]
Used Chrysler Pacifica Technology Features
The interior of a used Chrysler Pacifica model can be loaded with family-friendly technology features that help keep every passenger entertained and connected while on the road. No matter which used Chrysler Pacifica model year you’re looking at or are interested in buying, you’ll find an incredible list of standard and available technology features to choose from that your family will appreciate having. The lengthy list of high-tech features available in a used Chrysler Pacifica include favorites like a rear entertainment system with dual monitors, Blu-ray™ player, HDMI inputs, Bluetooth®, wireless headphones, wireless streaming, Uconnect® touchscreen infotainment system with voice commands, Android Auto™, Apple CarPlay™, satellite radio, premium audio system, a navigation system and many others that help make every ride more enjoyable for every passenger.
Used Chrysler Pacifica Comfort Features
The spacious interior of a used Chrysler Pacifica offers the comfort and convenience you and your family are looking for in a vehicle. With its three rows of versatile seating and multiple seating configurations, the Chrysler Pacifica can easily offer you the space and comfort you need every day. The impressive list of comfort features available in a used Chrysler Pacifica include leather upholstery, the Stow ‘n Go seating and storage system, second-row Easy Tilt Seating, heated and ventilated seats, power-folding third-row seats, built-in vacuum (Stow ‘n Vac®), cupholders, map pockets, power-adjustable seats, automatic climate control, rear air conditioning, power accessories and much more.
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Spacious interior of used Ford Flex crossover SUV provides impressive amounts of passenger and cargo space
Spacious interior of used Ford Flex crossover SUV provides impressive amounts of passenger and cargo space
rn By Product Expert | Posted in Ford Flex on Tuesday, September 4th, 2018 at 3:40 pmrn
Used Ford Flex Passenger and Cargo Space
The crossover SUV is one of the most popular vehicle segments in the entire auto industry. Their ability to offer incredible all-around qualities has helped make them an easy pick for families who need versatility and capability as well as increased passenger and cargo space. If you’re looking for a used SUV that can provide you with an enormous amount of cargo space and plenty of passenger space, a used Ford Flex is a perfect choice. Keep reading to learn more about the passenger and cargo space that is available in a used Ford Flex crossover SUV.
[Read Full Model Review: Used Ford Flex]
Used Ford Flex Passenger Space
The interior of a used Ford Flex offers three rows of seating for up to seven passengers, which makes it one of the most spacious crossover SUVs in the auto industry. A second-row bench seat allows seven passengers to sit comfortably while the available second-row bucket seats reduce the passenger space in a used Ford Flex to six while offering more room to stretch out.
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Used Ford Flex Cargo Space
When it comes to providing you with the cargo space you need to haul long items and a lot of cargo, a used Ford Flex is designed and built for the job. Both the second- and third-row seats can be folded down to provide you with an incredible amount of cargo space. A power-fold third-row seat and a power rear liftgate provide easy access to the spacious interior of the Ford Flex crossover SUV. Folding down the third-row seats will give you an impressive 43.2 cu-ft of cargo space to use while folding down both the second- and third-row seats will give you an incredible 83.2 cu-ft of cargo space to utilize as you wish.
Dodge Grand Caravan Family Features
The auto industry is filled with vehicles that are designed for families on the go. While some offer a spacious and versatile interior that can carry a lot of passengers and cargo, others can give you the technology and comfort you desire. The key to finding the best family vehicle is to find one that offers all the qualities you’re looking for. A used Dodge Grand Caravan is a perfect choice for your next vehicle because it can give you everything you want and so much more, and it can do so at an affordable price. Keep reading to learn more about many of the family features that are available in the Dodge Grand Caravan.
[Visit Model Review and Research Page: Dodge Grand Caravan]
Dodge Grand Caravan Technology Features
The impressive and very lengthy list of technology features available in the Dodge Grand Caravan includes many favorites that can help keep you connected and entertained while on the road. The high-tech features offered include a rear-seat entertainment system, a Uconnect touchscreen infotainment system, an HDMI input, USB ports, a rearview camera, satellite radio, a driver information center, a navigation system, voice controls, a premium audio system, Bluetooth® phone and audio connectivity, and much more.
[You May Also Like: Honda Odyssey]
Dodge Grand Caravan Comfort Features
The interior of a used Dodge Grand Caravan can be loaded with family features that help keep every passenger comfortable while driving. The impressive list of comfort features and options available in a used Dodge Grand Caravan include remote entry, tri-zone climate control, power windows and locks, second-row captain’s chairs with Stow ‘n Go feature, remote engine start, a power liftgate, leather upholstery, power front seats, heated front seats, a heated steering wheel, ambient interior lighting, second- and third-row sunshades, and many others.
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