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5 Ways to Make your Next Car More Affordable

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Buying a car can be one of the most expensive purchases you will make in your lifetime. For a long time it has always been this way but nowadays the purchase price of both new and used cars is higher than it has been for a long time. Coincide this with the cost-of-living crisis in the UK, buying a car may be harder than ever for some! Many drivers need a car to get around so it can be good to consider the following ways to help make your next car purchase a one that suits your budget! 

1. Part exchange your current car. 

Using your current car as a deposit for your next car is a great way to get money off your next purchase. Part exchanging is when you use the value of the car you have towards your next car. The dealer will value your current car and the valuation will be taken off the purchase price of the car or the finance deal. Part exchanging is a great way to save money on your next purchase and is a hassle-free way of getting rid of your car. 

2. Increase your credit score. 

If you need to use finance to spread the cost of your next car, it can be worth improving your credit score before you start making applications with lenders. People with low credit scores may find it harder to get approved by a car finance lender or if they do, they can face higher interest rates as they are more of a risk. Usually a lower credit score indicates an inability to stick to the rules of a credit agreement or high levels of existing debt. You should always check your credit score before applying for any form of credit or finance and make improvements where necessary. A low interest rate for car finance will help to make your deal cheaper and means you pay less interest overall. 

3. Spread the cost with finance deals. 

If you’re struggling to pay for a car with a lump sum cash payment, you may be considering using a finance deal to help spread the cost, based on your affordability. A vehicle price calculator can help you to get an idea of how much your car finance could cost, based on your monthly budget and credit situation. Personal loans tend to be the cheapest way to finance a car as they usually offer low interest rates. However, personal loans may only be offered to applicants with the highest credit scores. Both Hire Purchase and Personal Contract Purchase are also popular ways to finance a car and it can be worth finding out more about all three before making an informed decision regarding finance. 

4. Save for a deposit. 

You can make your next finance deal cheaper by putting down more money at the start of the agreement. A deposit for car finance can be required with some agreements so it’s worth keeping in mind anyway. When you out down a deposit, you are reducing the total loan amount. A smaller loan can be more affordable, can mean lower monthly payments or you could reduce the loan term to pay it off quicker. 

5. Buy a second-hand vehicle. 

There’s still a common misconception around buying a used car. Used cars are often associated with being unreliable and having to buy ne means you have to choose a 10-year-old banger. However, this is not true. The purchase price of used cars will always be lower than buying a brand-new car when comparing model for model. An easy way to save money on your car purchase is by choosing a cheaper car such as a second hand one. If you’re buying a used car, we recommend buying from a reputable dealership rather than a private seller as they will have more in place to check the history of the vehicle. 

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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Lifestyle

Donnette Russell-Love on How Policy Changes Are Reshaping the Immigrant Experience in America

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What happens when the rules for chasing the American dream keep changing? For millions of immigrants, the answer is anxiety, confusion, and a constant fight to stay one step ahead of shifting policies that can decide their future overnight.

This is the reality that Donnette Russell-Love, attorney and CEO of Immigration Care Service, faces every day. With a career built on both courtroom experience and compassionate advocacy, she has become a steady guide for individuals and families navigating one of the most unpredictable legal systems in the world.

A Changing Landscape

Over the years, U.S. immigration policy has shifted from being opportunity-driven to increasingly restrictive. Donnette Russell-Love has seen how these changes have reshaped not only the process but also how immigrants are perceived. She believes that leadership plays a major role in setting the tone; each administration influences whether the focus lies on inclusion, enforcement, or deterrence.

Under the current administration, the path to the American dream has become much narrower. There has been a stronger push to limit humanitarian provisions for people fleeing unstable conditions, less tolerance for long-term immigrants with even minor offenses from years ago, and growing efforts to challenge birthright citizenship.

These policies reflect a clear shift in how the United States approaches immigration. For many of her clients, the rules that once offered hope now feel like walls. Yet, her mission remains the same: to help them find a way through, one informed decision at a time.

Guiding Clients Through Constant Change

In an environment where laws and regulations can change faster than people can adapt, Donnette’s approach is built on preparation. She doesn’t just focus on forms and paperwork; she focuses on context. Her process starts with understanding each client’s story, background, and long-term goals. From there, she helps them see not just what’s required legally, but what’s likely to be asked, reviewed, or challenged along the way.

For her, education is the most powerful defense. She believes that informed clients are stronger, calmer, and more confident when facing interviews or hearings. She spends time explaining how new rules apply to their situations and how small details, like old records, travel history, or documentation, can make all the difference.

Her deep understanding of immigration stems not only from her legal training but also from her background in compliance and risk management. These skills have shaped her proactive style, allowing her to anticipate potential issues before they arise. Instead of reacting to policy shifts, she prepares her clients to adapt to them.

Leadership That Balances Law and Humanity

Running a law firm in such a turbulent field requires discipline, empathy, and vision, qualities that Donnette has cultivated over years of leadership. As the head of Immigration Care Service, she manages the balance between legal precision and genuine human care. Her team works closely with clients from diverse backgrounds, ensuring they receive not only sound legal guidance but also emotional support during uncertain times.

She also emphasizes the importance of staying grounded. Her philosophy is that immigration law is not just about policies or procedures, it’s about people. Every case represents a life story, a dream, or a second chance. And while the system may grow more rigid, her role is to help clients see that persistence and preparation can still lead to opportunity.

Moving Forward with Purpose

For Donnette Russell-Love, the work doesn’t end with one case or one victory. It’s about helping her clients understand the bigger picture, that success in immigration is not only about following rules, but about knowing how to navigate them with clarity and confidence.

She recognizes that the path to legal residency or citizenship is harder now than ever before. But her message is one of resilience: knowledge and preparation still open doors.

In a time when immigration policies seem to shift with every election cycle, Donnette’s approach stands out for its steadiness and humanity. She reminds her clients and the broader community that while laws may change, the pursuit of hope, belonging, and a better life remains constant. And with the right guidance, that pursuit is still worth every effort.

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