No car, and I bought my home for $4500 cash. So bills consist of property taxes (@1700 a year/12 months = $142 a month), Edison which is about the same for heat, electricity and cooking fuel, cable/cel phone (my biggest bill @ $160 a month) so my bills are LESS than $500/month. My employer has contracts with Ford Motor Company for multimedia support and almost every Ford facility I work at is LESS than 8 miles from my house. Even in wet and cold the ride is rarely unbearable. I own almost no "hard copies" of anything, instead everything is digital. My partner and I grocery shop almost everyday so there are rarely "perishables" on hand. We have a washing machine but no dryer... In summer we line dry outdoors, most things take a MAX of 12 hours and in the winter we hang things up on a line downstairs under the main duct for the furnace. Monthly payments are the bane of my existence and the taxes I pay are relatively high, BUT I think it's a SMALL price to pay for so much economic freedom... I should add that I buy most things second-hand and even my bike is a 1974 Schwinn Le Tour...