If you missed out, take care of the 'clunker' you own

The "Cash for Clunkers" program comes to an end Monday night after dealers burned through $3 billion in funding in about a month, and four of five Midwestern bankers say it had little effect on their car loan portfolio.

If you missed the chance to cash in on your "clunker," or if buying a new car was never an option for you, Rich White, Executive Director of the Car Care Council has some suggestions for keeping your car performing well for years to come:

* Change the oil and filter every 3,000 to 5,000 miles or per the owner's manual. Periodic oil and filter changes keep your engine clean on the inside.

* Check the tire pressure at least monthly, including the spare. Your car's tires affect its ride, handling, traction and safety.

* Schedule a tune-up annually to optimize your car's performance. A well-tuned engine delivers the best balance of power and fuel economy, and produces the lowest level of emissions.

* Have the alignment checked at least annually. Potholes and other road conditions, as well as normal wear, can take their toll on your car's steering and suspension. A wheel alignment reduces tire wear, improves fuel economy and handling, and increases driving enjoyment and safety.

* Inspect the windshield wipers and lights on the car. Lights and wipers play a major role in safe driving, and they are normal wear items that need periodic replacement.

More information is available by checking out the digital Car Care Guide at 222.carcare.org.

Take care of the car you already own, put away the money you're not making in car payments, and by the time your "clunker" dies, you'll have the cash to buy a new one.