It never fails the minute I mention I want to change something the enemy launches an attack. I recently evaluated how much we were spending on gas which is $500.00 a month and realized a hybrid would truly be more economical. Although I truly wanted to avoid a car payment and still do. I must do what is wiser for my family in order to save long term. My mom taught us it is always better to own your vehicle free and clear because "as long as you have no title, you have no ownership."
So as I make all these lifestyle changes "I figure...... out with old and in with the new."