How to Plan Your Budget for Buying a Car

Women's Journal Staff on March 19, 2025

By: Jacob Maslow

Buying a car is an exciting milestone, but it can also be a significant financial commitment too. Whether you’re upgrading to a newer model, transitioning from public transportation, or simply getting your first car, it’s essential to approach this purchase with a clear, well-thought-out budget. An affordable budget helps you avoid financial strain and manage the associated costs effectively. Here’s a comprehensive guide on how to budget for your next car purchase.

Assess Your Financial Situation

Before you even begin browsing for cars, take a step back and assess your current financial situation first. Understand how much money you can realistically allocate to a car purchase without affecting other critical aspects of your financial health, like your mortgage and rent, savings, or emergency fund.

Key Questions to Ask Yourself:

What is your monthly income?
How much do you already spend on essentials (e.g., rent, utilities, food, bills)?
Do you have any existing debts or financial obligations?
How much are you currently saving?

By answering these questions, you can establish a clear picture of how much wiggle room you have for a car purchase.

Determine How Much You Can Afford to Spend

Once you know your financial standing, the next step is to determine how much you can afford to spend on a car. Some financial guidelines suggest keeping car payments within 15% of your monthly take-home pay to help manage overall expenses.

For example, if your monthly income is £3,000 after tax, your total car payment (including the loan, insurance, and other related expenses) should not exceed £450 per month. Consider making a deposit of around 20% of the car’s purchase price if possible. A larger down payment may help lower your monthly payments and may reduce interest costs over time.

Decide Whether to Buy or Finance.

Another important decision is whether to buy or finance the car. Both options have their pros and cons, so weigh the factors carefully:

Buying a car means you’ll own it outright. This option is ideal if you plan to keep the car for many years and want to own it.
Financing your next car means you borrow money to get a car and pay it back over a number of years.

Your choice will depend on your personal preferences, how long you intend to keep the car, and your budget.

Factor in All the Costs

The cost of a car goes beyond the purchase price. When creating your budget, you’ll need to account for several other expenses associated with car ownership. Here are the key costs to include in your budget:

Monthly Payments: This is the amount you’ll pay for the car loan or finance. If you finance the car, aim for a loan term of 36 to 60 months for a balance of affordability and lower interest rates, or whatever you can comfortably afford each month.
Insurance: Car insurance rates vary based on factors like the car’s make/model, your age, driving history, and location. Get quotes before you make a decision to ensure that insurance is affordable too. First time drivers face the highest insurance rates due to lack of experience.
Fuel Costs: Consider how much you’ll spend on fuel each month. Fuel efficiency can vary widely depending on the type of car, so look for one with good mileage to save on fuel over time.
Maintenance and Repairs: While a new car typically requires less maintenance, it’s still essential to account for oil changes, tire replacements, brake pads, and other routine maintenance. Used cars may need more frequent repairs, so factor in an additional amount for this.

Create a Financing Plan

Once you’ve set your car price range and know how much you can afford, explore financing options if you’re not paying for the car in full with cash. A car loan calculator UK may help you to get an idea of how much you could borrow, based on your personal factors. Compare rates from various lenders, including banks, credit unions, and car dealerships. The goal is to secure the most favourable loan terms, so pay attention to:

Interest Rates: A lower rate can save you hundreds or even thousands of pounds over the life of the loan.
Loan Term: While longer loan terms (e.g., 72 months) may lower monthly payments, they can also increase the overall cost of the car due to interest. Shorter terms (36 months) may have higher monthly payments but cost less in the long run.
Deposit: A larger deposit reduces the loan amount, resulting in lower monthly payments and less interest paid over time.

Look for Deals and Discounts

Before making the final purchase, look for any available discounts, promotions, or sales. Dealerships often offer manufacturer incentives, trade-in deals, or seasonal sales. You may also find financing offers with zero percent interest or cashback offers. Additionally, check for any special programs, such as military discounts, student discounts, or loyalty rewards.

Disclaimer: The information provided in this article is for general informational purposes only and does not constitute financial, legal, or professional advice. While we strive for accuracy and up-to-date information, financial decisions should be made based on individual circumstances. This article does not guarantee specific financial outcomes. Always consult a qualified financial advisor or professional before making any financial commitments.

Published by Tom W.

The Maryna Slynko Method in Manicure: Durability, Innovation, and Skin Care

Womens Journal Staff 3 on March 19, 2025

By: Kelly Brown

The manicure industry is constantly evolving, introducing new approaches and techniques aimed not only at aesthetic results but also at improving skin health and the longevity of manicures. In this context, the Maryna Slynko Method represents a combination of innovative techniques and a focus on cuticle health, designed to deliver beautiful, long-lasting manicures that promote skin well-being. How does this approach redefine industry standards, and what sets it apart? Let’s explore this in more detail.

Maryna Slynko: From Lawyer to Manicure Expert

Maryna Slynko’s career journey is an example of how following one’s passion can lead to success in a new field. After realizing that law did not provide the fulfillment she sought, she made the decision to transition to the beauty industry. Through dedication to education and certification, she quickly became a skilled nail artist and instructor, sharing her knowledge and contributing to service improvement in the industry.

What Makes the Maryna Slynko Method Unique?

The foundation of the Maryna Slynko Method lies in her approach to oil-sealing for cuticles, combined with a hybrid technique for cuticle trimming. This method is designed to help achieve a long-lasting, aesthetically refined manicure while maintaining skin health.

Oil Sealing for Cuticles: Innovation & Longevity

A distinctive aspect of the Maryna Slynko Method is the use of a specially formulated oil to seal the cuticles. This oil provides deep hydration, preventing dryness and promoting healthier skin while potentially extending the life of a manicure.

Elastic & nourished cuticles: Thanks to this unique oil, cuticles can remain soft and well-groomed for several weeks.
Prevention & healing: The oil-sealing process may help prevent hangnails and promote the repair of micro-cracks, contributing to both the visual appeal and the health of the skin.

Hybrid Manicure: Precision & Technique

Maryna Slynko places emphasis on high-precision cuticle work by combining an e-file with cuticle nippers for a clean trim.

Feathering technique: A signature feature of her method, this technique aims for a nearly invisible cut, giving the manicure a polished, professional look.
Minimizing skin damage: This hybrid approach can support precision and reduce potential skin trauma, which might contribute to a longer-lasting manicure with a more seamless appearance.

Eco-Friendly & Vegan Materials: A Growing Trend

Many clients today are more mindful of eco-conscious beauty practices. The Maryna Slynko Method is not only designed for aesthetic and long-lasting results but also for safety and sustainability.

Organic & vegan formulas: All materials used in her method are free from harmful chemicals, catering to clients who prioritize health and environmental responsibility.
Sustainable beauty: As the beauty industry moves towards natural, non-toxic solutions, this method aligns with those values.

Key Benefits of the Maryna Slynko Method

Long-lasting manicure – The cuticle oil sealing technique can help extend the wear time of manicures, making it an appealing option for busy individuals.
Skin-friendly care – The specialized oil may help maintain soft, healthy cuticles while preventing dryness.
Eco-conscious approach – The use of organic, vegan-friendly materials supports both client safety and environmental responsibility.
High precision & quality – The combination of the feathering technique and expert trimming aims to produce an exceptionally clean, long-lasting manicure.

Industry Trends & Growing Demand

The Maryna Slynko Method has gained recognition not only among professional nail artists but also with clients seeking durable and sustainable beauty treatments. In an industry where both aesthetic appeal and skin health are valued, this approach meets the growing demand for beauty practices that support overall well-being.

For beauty professionals, mastering the Maryna Slynko Method may provide an opportunity to offer premium services that stand out in the market, particularly for those who want to attract high-end clientele.

A New Standard in Manicure Care

The Maryna Slynko Method combines advanced manicure techniques with a focus on cuticle health and sustainability. As trends continue to shift toward long-lasting, skin-friendly, and eco-conscious beauty solutions, this method aligns with current industry demands and might play a key role in shaping the future of the manicure profession.

Published by Anne C.

Mindful Margaritas: Savoring National Margarita Day, Hangover-Free

Women's Journal Staff on March 19, 2025

National Margarita Day has passed, and now is a great opportunity to talk about one of the world’s most cherished cocktails. Margaritas are often considered the ultimate party drink, blending tangy, sweet, and salty flavors in perfect harmony to create a beverage that feels ideal for poolside enjoyment. However, as is often the case with cocktails, margaritas are alcoholic, which comes with its own set of downsides. Fortunately, with the rise of non-alcoholic spirits, margarita enthusiasts can now explore a vibrant, refreshing version of this classic—potentially without the dreaded hangover. Leading the charge is Philters, a company whose premium alcohol-free offerings aim to help everyone celebrate while honoring their wellness priorities.

The Growing Wave of Mindful Drinking

The mindful drinking movement has been gradually gaining traction over the years, with Gen Z playing a significant role in its growth. Alongside this trend, the market has seen a rising demand for high-quality non-alcoholic cocktails, as many who choose to reduce or eliminate alcohol consumption still want to enjoy beverages that offer depth, nuance, and delight without the drawbacks of alcohol. In response, several premium alcohol-free brands have emerged, with Philters standing out as a notable example.

Philters’ margarita alternative, Mezkahl, swaps out traditional tequila for a botanical-rich, alcohol-free alternative. With its smoky undertones and carefully crafted flavor profile, Mezkahl aims to capture the essence of a margarita while keeping its signature spirit alive.

Reimagining a Timeless Favorite

A common misconception about non-alcoholic cocktails is that they lack the complexity or flavor of their traditional counterparts. However, Philters’ use of high-quality botanical ingredients in Mezkahl, combined with thoughtful mixology techniques, can create an alcohol-free margarita that rivals the charm and depth of the original—or even offers a unique twist.

If you’re curious but unsure, here’s a recipe to try for your next celebration:

Spicy Cucumber Jalapeño Margarita

Shaken | Served on the rocks with a Tajín rim

2 oz Philters Mezkahl
1 oz lime juice
1 oz agave syrup
2 cucumber slices
1-2 jalapeño slices

Instructions: Muddle the cucumber and jalapeño in a shaker tin. Add Philters Mezkahl, lime juice, and agave syrup, then shake vigorously. Strain into a Tajín-rimmed rocks glass over fresh ice. Garnish with a cucumber and jalapeño slice for a burst of freshness and a hint of heat.

Why Go Alcohol-Free? The Upsides

If you’re still on the fence about cutting back on alcohol or exploring conscious drinking options, here are some potential benefits to consider:

No Hangover: You can enjoy your evening and wake up feeling refreshed.
Healthier Choice: Products like Mezkahl often contain fewer calories and less sugar compared to traditional recipes, and the inclusion of natural ingredients may help boost focus and energy levels.
Stay Present: You can fully enjoy every moment without the foggy aftermath.
Inclusive Option: Non-drinkers, designated drivers, and wellness enthusiasts can all join in the celebration.

A Fresh Take on Festive Moments

As mindful drinking continues to grow in popularity, the ways we celebrate occasions like National Margarita Day are likely to evolve. These changes may bring about a more inclusive and health-conscious approach to festivities. With products like Philters’ Mezkahl, people can enjoy the best aspects of cocktails without the downsides, and Philters is at the forefront of this shift, demonstrating that alcohol-free mixology can be just as luxurious and enjoyable as the classics.

Choosing Philters’ Mezkahl for your next margarita is a low-risk experiment—one that could pleasantly surprise you. If you’d like to give it a try, visit philters.com.

Published by Drake M.