<prompt> Human: I guess Im looking for some sort of like percentage, such as if you make x amount of dollars spend 2 of your annually income. A little more info. I have absolutely no credit because I have always bought things cash and never made payments so my interest rates are quite high, 15  <response>: Buy the cheapest reliable car that your ego can afford. Buy second-hand from a reliable dealer with low mileage. Dont buy on credit - pay cash. 