Reduce energy costs by lowering the thermostat on your hot water heater to 49º C or 120º F. Make sure the caulking around windows and exterior doors is adequate to reduce heat or cooling loss.
Your Car is Not An Investment
Cars depreciate rapidly, and their only justification is what you get out of them during their short life.
Buy the car that meets your basic needs.
The rest is luxury - buy it only if you can afford it.
A growing number of individuals living and working in downtown cores are opting to dispense with a second car, or not to own a car at all. If you only use your car one or two days a week, and have easy access to a car rental outlet, renting is much cheaper. Even at an un-preferred rate of $50 per day, you could rent twice a week for $5,000 a year. Owning a car will likely cost you twice that, especially if you have to pay for a parking space.
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