Supplement to Comment #8: Drop purchasing bedroom, dining room, and living room furniture. You can custom make them with solid wood, stronger, and last a century with Gorilla glue! I custom-made furniture for my residence. I started three Birch solid-wood projects today. The projects are Entertainment Center, Desk, Book shelves above desk, and Lane chest. Raw material cost a little over $500. You can purchase them from any retailers and spend approx $4,000 or more with most particle boards. Self-service engine oil filter and engine oil change, rotate tires every 6,000 miles, clean vehicle once every week, detail vehicle every month, wax vehicle every 6 months. Offer neighbors ride to destination (tip guaranteed!) Be Conservative and Creative!