Off-topic, but briefly to clarify..
"..registration, insurance, maintenance and petrol into account?"
registration? insurance? Don't know about those things! I just drive to the shops.beach etc π
For my medical insurance, I am somewhat healthy for my age, no statins etc, no high blood pressure etc, so my premium is low and has never risen since I have never claimed. $500 deductible on a claim and only my prostate bph/utis excluded (prostate cancer is fully covered).
As for frugal living, I don't consider that I live a frugal life. My rented home was built just a few months ago, so all modern and well-built. I have hearty home-cooked meals every day, swim in the mountain river outside my door every day, go to the beach a few times a week, enjoy my ham radio hobby, teach as a volunteer at the local Burmese school blah blah blah. My stress levels are zilch, nada, non-existent π