tag:blogger.com,1999:blog-30661179263371746062011-04-21T19:59:17.672-07:00Stephen R. Maloneyhttp://www.blogger.com/profile/08113975776816271060noreply@blogger.comBlogger11100tag:blogger.com,1999:blog-3066117926337174606.post-31408845209623163472008-03-11T12:31:00.000-07:002008-03-11T12:57:55.284-07:00Welcome to visitors from my other blogs, which are:<br /><a href="http://camp2008victorya.blogspot.com/">http://camp2008victorya.blogspot.com</a><br /><a href="http://stevemaloneygop.blogspot.com/">http://stevemaloneygop.blogspot.com</a><br /><a href="http://pennsylvaniaforjohnmccain.blogspot.com/">http://pennsylvaniaforjohnmccain.blogspot.com</a>.<br /><br />This blog: <a href="http://dailykostkutter.blogspot.com/">http://dailykostkutter.blogspot.com</a> will not deal with politics, except perhaps in a peripheral way. It will, however, deal with many of the themes covered previously in the now defunct blog called "Live Better on Less." (You can visit that at: <a href="http://livebetteronless.blogspot.com/">http://livebetteronless.blogspot.com</a>.)<br /><br />I'm not a believer in "get rich quick" schemes. On the other hand, I strongly believe in "get rich . . . slowly" approaches. Also, I lecture people about how they should conduct their lives. But I do want to share my experiences about how I used to waste money, particularly in spending large sums on the purchase and maintenance of automobiles.<br /><br />Today, I went to the urologist, an "experience" I hadn't endured before. I caught the bus at 7:31 two block from my home. I got off fairly near the hospital (five miles from my home), bought a Starbucks (not exactly a cost-saving move), went to the doctor's office for an 8:30 a.m. appointment. Then, I walked back to the bus stop and caught the 9:05 a.m. return to my home in Ambridge.<br /><br /><strong>I didn't drive to the hospital, mainly because I don't own a car --and haven't since 1995</strong>. I didn't spend money on gasoline (at a whopping $3.19 per gallon today). I didn't spend money on parking ($2.00), or on insurance, or on car payments, or on depreciation of a vehicle.<br /><br />I heard recently that the average American spends about $8,000 per year on automobile expenses. I don't. Instead, I spend about $500 per year on a rental car when I positively, absolutely can't do without one. <br /><br />But what about the costs for the bus rides? Actually, since I'm a "senior" (a term I hate) I can ride buses in Pennsylvania for free. Actually, the Starbucks' coffee was my main expenditure today. <br /><br />For many Americans, an automobile (or two, or three of them) are a money-pit. Saving or otherwise investing the $8,000 per year on auto expenses would make many American very rich. Some people can't live without an auto (mainly because of choices I might question), but I can.<br /><br />Columns will appear here every Monday, Wednesday, and Friday. I'd very much love to have your input through comments or e-mails (to <a href="mailto:TalkTop65@aol.com">TalkTop65@aol.com</a>.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/3066117926337174606-3140884520962316347?l=dailykostkutter.blogspot.com' alt='' /></div>Stephen R. Maloneyhttp://www.blogger.com/profile/08113975776816271060noreply@blogger.com1