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frugal living
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Get rid of your car. They are insanely expensive. Not just to buy, but also taxes, insurance and other operating costs. At the same time bicycles are nearly free.
Don't do this if you live 30 miles or more from your job though. In that case get the cheapest most reliable hunk of junk you can find.
I burned through more money trying to upkeep my car than what I spent on it. Getting rid of my car was one of the best financial decisions of my life.