My friend Rosemary shared a link on Facebook, which I can no longer
find, about how to fit three carseats into one regular car, so as to be
able to avoid changing to a minivan, as a part of being able to afford
to live on one income. Oops, never mind, changed some Google keywords
and I
found it.
(As
a brief aside, this is one thing I don't like about Facebook and most
other sites like it... if you're trying to find a link that someone
shared a few months ago, it's a complete headache. Back to my topic.)
Anyway,
a related post on the blog is titled "Growing a Family on One Income:
Being a One-Car Family" and at the time, I commented (on my friend's
Facebook) that I should make a post about "Growing a Family on One
Income: Being a No Car Family." And another friend said we should make
some kind of a blog round-up or something.
I don't know if the
round-up/link-around/whatever mom-o-sphere term will happen or not, but I
thought I'd jot down how we make being a no car family work.
|
Apparently
to be a hip mommy-blogger ya gotta make images for people to pin on
Pinterest or whatever, so here goes. (This picture was actually taken
when a bus got stranded in the snow near our place, hence why she's
sitting in a solo seat instead of next to me!) |
Firstly,
as a caveat, I have to say that neither my husband nor I knows how to
drive. I know this makes us absolute freaks in the North American
context, and for us two freaks to somehow find and fall for each other
has got to be very bad odds. For both of us, it's for very similar
reasons: parents expected us to pay the difference in insurance etc to
be able to drive family cars, we didn't find it feasible while in high
school, then we went to universities where we lived on campus and having
a car wasn't any more feasible, and before we knew it we are 31 and 27
and neither of us ever in possession of a license.
But I actually
think this has been a great blessing for us. We mostly don't know what
we're missing; we don't have a car mindset. We didn't
expect to
have a car, so when we were looking for a place to live, finding
employment, we didn't do it with the mindset that a car was an option.
Second
caveat is that I'm going to use all local prices. I have to compare
apples to apples; this isn't about renting and transit-ing in Vancouver
versus driving in Teton Village, Wyoming.
Vancouver has one of
the best transit systems in North America, which is damning with faint
praise; probably only a dozen communities or so in all of North America
have public transit that is adequate to thrive car-free... I can only
think of eight myself off-hand, but I'm generously assuming there's a
few others I don't know about. Nevertheless, a lot of people in
Vancouver still drive, and I think a lot of it is just car mind-set. The
most tragic are the people who live out in the suburbs because they
can't afford a city apartment and a car payment, and now they need a car
because they live out in the suburbs and they need to commute...
vicious cycle.
So I thought I'd crunch the numbers on what we,
personally, are saving by not having a car, and how that compares to the
rent we pay here (Vancouver proper, but not downtown) vs for a similar
space in, say, Surrey. We pay about $200-300 more per month than we
would for a similar apartment there. We'll say $300 (I'm going to
minimize our savings estimate as much as I can, so that I can say we're
saving at LEAST this much, and probably more).
Our costs: $91 for
one monthly one zone FareCard, plus around $21 for ~20 FareSavers per
month, plus around $10 for times we need to add fare to travel to
another zone, for a total of $122/mo. FareCards aren't tied to a single
person. On normal days, they can be used by only one adult, but on
Sundays and holidays, two adults can ride on one FareCard; we take full
advantage of this. Children four and under ride free. Strollers can be
taken aboard buses, trains, and ferries, although they may need to be
folded if space is lacking (uncommon, in my experience, probably have to
fold or take the next bus once or twice a month). There is no tax on
transit fares, and you actually can deduct the monthly pass from your
taxes, but we'll ignore that for these purposes.
Estimated costs
for a single car: Recently read an article that
said that gas had edged above $1.50/liter, which is roughly $5.68/gal
for American readers. Let's pretend we use 100 liters a month (about 26 gallons;
drivers, is that a reasonable amount of fuel?).
That's $150 a month just on gas.
Ok,
but what are we spending on the car? Let's be realistic and say it's a
bit of a clunker. It's pretty hard for me to gauge what we might be
spending. I went onto a bargain hunters forum (where I would think
people are being pretty frugal) where there was a thread about car
payments, and the payments ranged wildly. $250/month seems to be on the
low end though, so we'll pretend that's our car payment.
So
higher rent + transit fares = $422/mo and gas + car payment =
$400/month. So we haven't quite broken even yet. But we're about to.
We
now need to add car insurance. Now here I'm really going to show my
ignorance. Remember, I've never had car insurance in my entire life.
There's approximately eight bajillion variables affecting how much you
pay per month in car insurance. I can't possibly guess how much we'd
pay. Searching for "average car insurance BC" I found figures like $1200
or $1400/year. Let's say $100/month. Feel free to tell me if I'm way
off in either direction.
We're now officially saving money. Hurray!
We
have more costs to consider though. Parking is not too bad in
Vancouver, and lots of places have free parking, but we would still need
to pay for parking sometimes. I'll be very conservative and say
$50/month. Surrey is on the other side of a toll road. There is an
alternative route, but it takes much longer, especially in high traffic
situations. The toll is $3/trip. Again, very conservatively, let's say
we take a mere 10 round trips across the Port Mann; that's $60/month.
And the car has to be maintained, and repaired when stuff goes wrong. If
we assume we have a clunker, those costs are probably higher, but
again, super conservatively, let's say another $50/month on average
towards maintenance and repair. It also costs money to register the car,
and get your license, but the cost per month isn't that much so I'll be
generous and ignore it. And since all this is just to have us be a
single car family, I'm still left without transport when he's at work.
So I'll at least have to spend SOME money on bus tickets for myself;
fortunately Surrey's transit is still better than most places in North
America. (I'd lay down good money that it's more convenient to use the
bus in suburban Surrey than in downtown Pittsburgh, for example.) Let's
say $40/month (since I don't have a FareCard to borrow sometimes, and
since now more trips involve crossing zone boundaries).
So on the barest of bare minimums,
we save at least $350/mo by not having a car and living in Vancouver vs. having a car and living in Surrey. This is why we are not bankrupt, as The Husband puts it.
There are also
non-monetary benefits of being No Car:
Since
I use tickets if I need to take transit when The Husband is using the
pass (ie during his working hours), it gives me
an incentive to walk if
I possibly can, because the use of a ticket is very concrete. At some level people know
when we take a car trip that yes, this individual trip uses up $X of
gas, adds X miles towards the next maintenance milestone, etc, but I
don't think people really think about it the same way. It's like how it's easier to keep to a budget if you spend cash instead of using a credit card.
Also, buses
usually pick up and drop off a block or two away from my actual
destination. This is equivalent to that old saw that people bring out as
a weightloss tip that you should park in the back of the lot.
Essentially, taking a bus means you are ALWAYS parking in the back of
the lot. That adds up and it's great for my health.
It amazes me
how many times I've gotten to chatting with a mom who drove to a
playground (or whatever), and I mention I walked there, and it turns out
she lives closer than I do! This is part of the car mind-set I was
talking about earlier.
Toddlers love buses and trains. I
can head
off whining about not wanting to leave the playground (or whatever) by
announcing it's time to get on the bus, or even better the train. My kid
uses the bus pretty much every day, and it's still not old for her.
|
Just don't let the toddler drive the bus. |
In
a car, unless you're one of those people who texts or talks on the
phone (and please stop being one of those people if so, thanks,
especially if you're the dude who almost hit me in the crosswalk last
week), getting to a destination is single-tasking. Now that I have kids,
I don't get to chill out and read or play on my phone like I used to,
but
public transit is still a great place to multitask. I retie
my toddler's shoe, nurse my baby, use my phone to check the flyer for a
supermarket near my destination to see if I want to get something there
before coming home.
Buses and trains put
little babies to sleep. This was so invariable that we used to call it
Hypnobus or Hypnotrain. I know a lot of babies fall asleep in car seats,
but even kids who hate car seats (like Pippa), you put them in a baby
carrier on a train, watch those eyes close before you know it.
And then of course,
taking public transit is better for the environment.
I don't just mean less emissions, fuel use etc. The more people take
transit, the less traffic is on the roads, which means roads last
longer, less traffic jams, less need for parking spaces, etc. Car
commuters who complain about their gas taxes going to transit should see
just how much more hellish their commute would be if all the people on
buses and trains were in individual cars instead.
The drawbacks:
It usually
takes longer
to get somewhere by transit rather than car, although not always--it's
usually faster to get downtown via train for us, certainly when you
factor in finding a parking space and walking from it. But most of the
time, it takes an extra 5 to 30 minutes to go via transit, depending on
transfers, whether the bus is running on time, etc.
Public transit puts you
up close and personal with
your fellow man. During rush hour, sometimes REALLY close and personal.
A lot depends here on the general culture of the place and of the
people using the transit system, but no matter where you are, there
might be crazies. There's crazies driving cars too of course, but at
least there you have several tons of metal between. Truly dangerous
incidents are rare. Much more common is dealing with overly friendly
grandparent-types with unsolicited advice, people who are allergic to
soap, people listening to their music so loud that you can hear every
F-bomb even through the headphones, etc etc etc. If you're a Swift in
reverse (that is, you love mankind but hate people), public transit will
be your worst nightmare. But there's an upside to it too. Sometimes the
unsolicited advice from the wannabe grandma turns out to be
encouraging, the unwashed dude makes you laugh, the music gets your toes
tapping, or what have you. And if you're Catholic like me... you can
always offer it up... ;)
Not having a car severely
limits your ability to leave the local area. That "takes longer"
is alright when you're going from 15 minute drive to 25 minute bus trip,
but when it's from 1 hour car trip to 2.5 hour bus trip it's much more
discouraging. And that's assuming that a public transit option exists at
all. There's no way to get via public transit from Vancouver to the zoo
out in Langley, for example. When we want to go further afield, we HAVE
to take Greyhound or Amtrak or fly.
Even when taking a
car, there's a certain amount out of your control. There might be
traffic, a road might close because of an accident, your car may develop
a sudden problem. However, I will admit that
unpredictability is predictable with transit.
There is the phenomenon my husband calls "bunching and gaps", which is
when a bus gets behind schedule, thus causing it to pick up larger
loads, thus to run even slower, while the bus behind it gets ahead of
schedule because there's no one to pick up, until eventually the buses
are right on top of each other (a "bunch"), and then there's a long time
until another bus comes (a "gap"). You can also never be really sure
how long your individual bus will take. Loading and unloading
wheelchairs, for example, takes a few minutes every time. So if you NEED
to be somewhere on time, you gotta plan to be early.
Bringing home big purchases is a hassle. But
this actually turns out to be a blessing in disguise because bringing
big stuff home is such a hassle that I end up saying "Do we really need
all that? I don't think we need that." Plus you know if you're pursuing a
no car lifestyle for the money saving, you're probably living in a tiny
place anyway. Can you fit all that stuff in your apartment? No you
cannot. And you don't need it. Save your money.
In Conclusion:
There
are lots of ways to make a family work on a smaller budget than you
might expect, if you're willing to question a lot of the "of course we
have to haves". Reducing from two cars to one car is radical to many in
North America. But there are plenty of people raising a family with no
car too, and I think if you make savvy choices about where to live, it
can be a very rewarding, and even freeing, lifestyle.