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 Akron, Ohio and Tallmadge, Ohio to allow for saving. Similarly, the sensible act enables company leaders in Cuyahoga Falls, Ohio to plan to expand. And as the team at Ganley Ford Barberton in Norton, Ohio explains, down payments give you such long-term budget control when you buy a new or used car.