Experienced people say managing bills begins before you make bills. If you think about it, that statement makes sense. Determining what to spend before spending allows families in Lakewood, Ohio and Westlake, Ohio to allow for saving. Similarly, the sensible act enables business owners in Fairview, Ohio and Rocky River, Ohio to plan to expand. And as the team at Ganley Ford West in Cleveland, Ohio explains, down payments give you such long-term budget control when you buy a new or used car.