I need to change my a different car

Hello, because of the crisis, my salary is going down each year. I need to reduce my expenses too.
My highest largest expense is my car. I have to pay the credit loan (usually, when referring to paying a loan, "make payments" is used to refer to your monthly payments and "pay off a loan" is used when you are paying the whole amount at once), the gas and the insurance.
My car is very big, is a 4 by 4 pick up, and it's very expensive.
I've lived in a village for 20 years, but I'm thinking to move of moving to the city.
Then I'd need a cargo van. If I had this kind of car I would work in have my own business.
I'd like to be an online chef (this doesn't sound natural, consider rephrasing the sentance) and carry deliver the food to homes.
I can prepare a lot of dishes from around the world.
I hope I'd have a successful business.
Bye.

Overall, very nice. :)

I need to change my car

Hello, because of the crisis, my salary is going down each year. I need to reduce my expenses, too.
My highest expense is my car. I have to pay the credit, the gas and the insurance.
My car is very big - a 4 by 4 pick up - and it's very expensive.
I've lived in a village for 20 years, but I'm thinking about moving to the city.
Then I'd need a cargo van. If I had this kind of car, I would work in my own business.
I'd like to be an online chef and deliver the food to homes.
I can prepare a lot of dishes from around the world.
I hope I'd have a successful business.
Bye.

Well written! Good luck!