Alas, not having a car is not an option, face saving issue. Being highly regarded in my family circle, to own a car is a big thing. My dear wife would rather starve than not owning a car. Yes, this sounds ridiculous but we are what society expects you to be. My younger relatives have cars. Sad to say, but this is true. If only I live in a jungle with just my family, then we don't need a condo, car and all. Now I am trying to cut on things which are not socially visible. Cutting on eating out, buying cheap groceries, cutting on rich foods, etc are ways which we are targeting at. Society don't see this. I must say my family and friends circle are really shallow people. And I unfortunately reluctantly go with the flow.