I loaned a car from a bank. Only use it for driving my family, when we have "lakad", when I have errands to make, or when I just feel lazy commuting. Hindi naman hassle ang travel ko papuntang office e, 1pm pasok ko, 5pm uwi na. naisip ko din, sayang Gas at Parking, 4 hours lang naman ako sa office, parang di sulit ang pagdadala ng auto.

It added comfort to our family, may savings pa din kami every payday despite the MA of the car. No regrets.

And yes, I have Credit Cards, pero when the bills are due, I always pay the whole monthly due (not the minimum amount due).