Owning a car is a necessity for many in NY and NJ. The public transportation systems, while offering adequate routes, can prove to be a problem. You have to wait in chilly weather to use them. Other times, the subways and buses are packed to the brim. Being smothered like a sardine on the way…
The lion’s share of our earning is spent on housing expenses. Those, who live in their own house, set aside a goodly sum from their monthly earning for yearly maintenance and tax. The next big expense is made on grocery bills. There are many people who make an extensive use of coupons to save on…