Part of stretching the clothes budget involves learning to mix and match. Bad use of money, my friend. Find someone who understands the basics of fashion and is willing to scrutinize your closet. Your fashion expenses will be fewer, your clothing will be worn more often, and you will look like a million dollars. Add up the car payment, the auto insurance, the cost of gas and maintenance.
Several alternatives are available.
One, a leased car may carry a lower monthly payment. Two, a number of reasonably priced sporty cars are now on the market. Three, consider a pre-owned car. In case you are doing the numbers, the national average spent for transportation is 11.3 percent of income. It you hired a CPA to do your taxes or an attorney to handle a speeding ticket, those are personal.