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May 13, 2014 5:02pm

ABC News’ Linzie Janis and Eric Noll report:

Ambre and Eddie Maze of Nashville, Tennessee, are drowning in debt and say they’re so worried about their financial situation that Eddie, a lawyer, took a second job as a taxi driver to keep up with the bills.

“We just seem to always be getting in a pinch,” said Eddie, 42.

Between them, they make an impressive $150,000 a year, but they owe a little more than $120,000 in bills. Ambre, 41, works as a physician’s assistant.

Related: Tips to avoid paying high bank and credit card fees.

The Mazes owe $112,000 in student loans, $8,000 in car payments, $2,000 on their credit cards, and $500 in medical bills, on top of their home mortgage.

“When we got married, we actually came into the marriage with debt,” Eddie told ABC News. “We were doing well, making a dent, but then we had kids!”

ABC News teamed up with powerhouse finance guru Dave Ramsey to help the Mazes and others learn how to overcome mountains of debt.

Read the following tips:

Tip 1: Get your finances in order using a new, free service called Check and stop the bleeding. According to www.manilla.com, Americans rack up more than $22 billion a year in late fees and penalties.

The Check app tracks bills to determine their due dates and allows users to schedule automatic payments, avoiding late fees.

Check also watches credit cards, bank accounts, investments and bills all at once so users know exactly how much spending money they have each month.

Tip 2:  Stop borrowing by cutting those credit cards.

Ramsey suggested that those in debt perform what he dubs a “plas-ectomy” â€" essentially chopping up their credit cards so they can’t, and won’t, get into more debt.  According to www.creditcards.com, Americans each have an average of two credit cards.

Tip 3: Make a written family budget â€" one in three Americans does this.

Ramsey â€" who preaches a no-nonsense approach to sold-out arenas, his 1 million Facebook and Twitter fans and more than 8 million radio show listeners â€" said a solid family budget could work to help families get out of debt.

“When you agree on your budget, you pinky swear and spit shake, this is a contract between the two of you,” Ramsey told ABC News.

Ramsey also suggested reevaluating these common spending areas for the family budget:

• food
• cell phone plans
• car, home, life insurance
• extra activities likes sports, dance classes, vacations and movies

For those in debt, Ramsey recommended streamlining the budget to get rid of any extraneous expenses. He said that seeing in black and white helped identify trouble spots. In the Mazes’ case, they found by tweaking their cell phone plan and cutting down on restaurants and after school classes could save them $2,100 a year.

Tip 4 (and the Magic Rule): Pay off debt using what Ramsey calls “the snowball method.”

“We’re going to list our debts smallest to largest, pay minimum payments on everything but the little one. Attack that little one with a vengeance,” Ramsey said. “You knock that little one out. When that little one is gone, it gives you some energy because you go, for the first time ever, ‘I’m happening to my money. All the stuff’s not happening to me.’”

If paying off the smallest debt before the most expensive debt sounds unorthodox, that’s because it is.

“It’s counter-intuitive for those of us who are math nerds,” Ramsey said. “I say pay off the smallest first because this is so behavior oriented. … You got to have a light at the end of the tunnel that’s not an oncoming train.”

If the Mazes stick to the plan, Ramsey said they could pay off their $120,000 of debt in 36 months.

“Over the years I’ve learned it’s more about hope and believing you’re going to win so you keep in the game than it is about actual mathematics,” said Ramsey. “You probably won’t see the inside of a restaurant for a while unless you’re working there. You’re probably not going on vacation for a while. You have to clean this mess up, because if you don’t bust into this with tremendous passion, it doesn’t crack open. There’s no middle ground.”

13 Guide tips for buying a used car

What you have to look for when buying a used car? We give the details in our guide of tips for buying a used car, in both private rooms used cars.

All new cars have something in common and it is just that they are new. With just happens not used and there may be a gap between the two, although the appearance of the unit in question is good. Looking Used Vehicle Show 2012 in Madrid, other rooms used vehicles, or buying a used car from a private note to review the key points.

Mechanical defects are easily overlooked if the car has undergone some cosmetic touches to distract the buyers attention. Do not ever give up a journey of recognition and also in the classroom, accounts certified by independent professionals.

These are the key points to be reviewed when buying a used car:

 1. A used car tires

What you have to look?

 - cracks.
- Excessive or uneven wear.
- Flanks deformed.
- Incorrect pressure.
- Tread depth.
- Date of manufacture.

 2. Exhaust

What you have to look?

- Excessive emission of smoke by faults in the fuel mixture.
- Presence of cracks.
 
3. Bumper of a second hand car

what you have to look?
- Scrapes or scratches.
- Mal set or hook.
- Cracks or missing material.
- Appearance of being an original piece (subtle differences).
- Paint repairs.


4. Construction of a second hand car

What you have to look?
- Scratches and cracks crossing large paint and leave bare plate.
- Signs of corrosion.
- Dents greater than six inches.
- Changes in the tone or texture of the paint marks bumps.
- State of the rubber seals.

 5. Interior of a used car

What you have to look?
- Irregular belt slippage.
- Cracks or cuts on the seat belt.
- Failure of the anchors.
- Burns or stains.

Learn how to remove stains from upholstery.
 
6. Direction

What you have to look?
- Lock the steering wheel at some point.
- Backlash or excessive hardness.
- Fixing incorrect wheel.
- Noise and assisted mechanical steering.
- Parallel wrong

7. Fluid loss

What you have to look?
The lack of tightness of the circuits is one of the most common problems. The fluid leaks and stains can be caused by:
- Brake System.
- Air conditioning circuit.
- The engine.

 8. The brakes on a used car

What you have to look?
- Sinking excessive pedal.
- Noise.
- Tension handbrake.

9. The engine of a used car

What you have to look?

- Stops.
- Rough idle ..
- Weird noises in the engine compartment

10. Lights and indicators

What you have to look?

- Cracks and impacts.
- Breaks in the protection lampshades can affect the projection beam.
- Genuine parts.
- No unapproved devices (eg xenon)

11. Suspension

What you have to look?
 - Excessive swinging.
- Abnormal rattling.
- Slope charged body.

 12. Glass, windows and mirrors in a used car

What you have to look?


- Pitting and cracks greater than 1.5 cm and 1 m visible.
- Broken glass or sagging.
- No mirrors legal (central and left outside or both ext.)
 
13. Dashboard

What you have to look?
- Correct operation of all witnesses: sidelight and long, oil, turn signals, emergency stop, trip computer ...

We hope this guide will be helpful tips on your decision to purchase a second hand car. It is very important not to overlook any of these thirteen steps and to spend some time reviewing the status of each item. This way you can negotiate the price of the car used in a more advantageous.

Summer can make the temperature inside the car cabin and people would not stand for long to berkemudi. Plus the greenhouse effect which makes the air temperature in the increasingly hot.


To maintain comfort while traveling in the summer, there are some things to watch out for your stay enjoyable driving experience.

Here are tips for car cabin temperature to stay cool:

1. Parking in the shade

In this way certainly makes the car out of harms heat radiation and ultraviolet light attack. Avoid parking in direct sunlight. It can also reduce air conditioning use is high spin when the car is first turned on.

2. Go a little glass

This helps keep the air flow inside the car without having to open up when they wanted to get into a car that was just sunburned. Opening the little glass means no storing heat in the cabin.

3. The use of window film

Window film can adjust the intensity of heat and ultraviolet rays from the interior of your car. Choose a good brand that provides protection from the suns heat. And notice the dark window film.

4. Turn on air conditioning to maximum

This method is used when the driver does not park in the shade. As I turn on the AC, open also to replace the windshield heat to the cooler air.

5. Protect your glass

Buy a windshield visor to minimize excess heat that goes into the dashboard and front seats. Shades of dark cabin, also can absorb more heat. Use a brightly colored cloth to protect the dashboard and steering wheel.

6. Electrostatic Paper

This is a thin sheet of paper attached to the glass and repel solar heat and ultraviolet radiation without interfering with the visibility of the glass. Electrostatic paper does not close the window but it makes a difference perspective.

7. Windshield protective roll paper

Paper rolls or folded paper usually used to block the heat from the front. This tool is effective in reducing the heat that comes into the cabin when parked directly opposite the sun.

8. Use a quality leather upholstery

Gloves or low-quality leather upholstery is unable to absorb the suns heat quickly. Temporal seats with synthetic materials will absorb more heat so that the cabin remains cool.

9. Do not leave items in the car

The heat from the sun will affect the taste of food and the safety of other electronic goods. Be sure to not let the Compact Disc (CD) and toys in the car with a long term parking.

10. Check the coolant

When the car hit by direct heat, then the engine will heat faster. Add coolant when the coolant level shows a lack of coolant.