We're working on Dave Ramsey at the moment and our biggest payment is our car which we don't use much. the only thing we really need it for is to take DD to day care 2 days a week which we could do by bike (DH does this in the summer - I have to learn to ride properly before I would feel ok with this). It's not on public transit routes and is about an hour's walk away and changing daycare isn't an option as it gives me the flexibility for my work that I need.
We can do groceries on foot/by bike. I can walk downtown. I could get a bus to the mall.
We pay $422/mth for our car payment plus $120/mth for insurance. We need to check but we are just right side up on our loan.
We would have to spend a bit on bike infrastructure to get up and running - a bike for me, a trailer and wet weather gear.
I figure that we could even rent a car once in a while for fun stuff.
We could def. do this if we didn't have kids - it's the kid stuff that makes it tough.
There is no car share program here.
Suggestions?
We can do groceries on foot/by bike. I can walk downtown. I could get a bus to the mall.
We pay $422/mth for our car payment plus $120/mth for insurance. We need to check but we are just right side up on our loan.
We would have to spend a bit on bike infrastructure to get up and running - a bike for me, a trailer and wet weather gear.
I figure that we could even rent a car once in a while for fun stuff.
We could def. do this if we didn't have kids - it's the kid stuff that makes it tough.
There is no car share program here.
Suggestions?











