No car, gave it away a few weeks back no water bill since it is included in rent payments household items in cluded in fortnightly spending of about 90 $, phone just 12$ for 3 months, no aircon to pay for, don't have a heater, electricity about for 2 months 80 $ government subsidised TV is free don't have private health insurance being a pensioner I have doctor and hospital visits free, alcohol just 10 dollars a week (red wine is cheap) used to go bowling when I was younger, medication is cheap, like to know more? Not everything is bad in the west, and I live in a city of about 2.5 million.