Ahhh...that used car smell. Smells like a challenge, doesn't it? Here are some handy dandy rules to provide some pre-roadway assistance:

Rule 1: You want to win this game
Rule 2: So does the car salesperson
Rule 3: Get your financing arranged ahead of time
Rule 4: Be prepared (excited, even) to negotiate
Rule 5: There are no rules

Kudos, kid. Buying a used car is a smart move. The value of your car won't depreciate quickly, like it does with a new car. Do your homework and don't get too emotional (that's right, don't go bananas for Herbie) and you'll do fine.

Firstly, you need to decide what kind of car you like, want and (most importantly) can afford. Research prices online. Also make sure it's not on the list of NoWay-NoHow cars published by consumer and car safety advocates. Find local listings. Go visit. Get up close and personal. Ask lots of questions.

If you like what you see, have an independent mechanic inspect and check the car's diagnostics. You want to make sure she hasn't been wrecked nor had any other major damage. If she checks out OK, then you can begin negotiating your price with the salesperson.

If your credit is good, you have a lot of bargaining power. This doesn't mean Sales dude wouldn't prefer to sell to the next person, especially if he thinks they'll use his lender who can lock them in at a higher percentage rate. But the main goal of a salesperson is to make a sale, not to wait on the right person. If you want the car and have your funds ready, you will be the sale and the right person.