We may be a few days into 2014, but that doesn't mean you can't implement some new year's resolutions. In fact, now is the perfect time to dedicate yourself to getting your finances in order, especially with regards to auto loans and financing. 

In the earliest months of 2014, you should start paying close attention to your spending as it relates to a car. For example, track how much you spend each month on your vehicle, including expenses ranging from insurance to gas and maintenance. How does this stack up against your desired budget? Do you anticipate having more expenses throughout the year, such as repairs you've been putting off? Are there any areas where your car is causing you to spend too much money? Is your vehicle capable of lasting the year? 

If you notice that your automobile isn't meeting your needs, it may be time to look into purchasing a high-quality used car. However, as part of your new year's resolutions, you should be focusing on how this investment will impact your finances for the rest of 2014. This is the ideal time to set a new budget for yourself and begin saving, and choosing the right auto dealer is a key part of this, as it may be able to direct you toward low interest rates on loans and great deals. 

Anyone who feels they need a used car but is hesitant about the price tag should check out the selection of vehicles at NJ State Auto. Not only is the facility packed with CARFAX-certified cars, trucks and vans, but it also has its own financing department on site. The experts there can help buyers wade through the paperwork and options normally associated with buying a used car.