I don't have a car either and not planning to buy one anytime soon, the reason is that maintaining a car is another expense, the fuel and everything but it is good to have one though but I just do not want to be like people who bought one and later sold it after some months because they could not afford the money to maintain it.

Most things don't hit me by surprise, i already see them coming and I already got worried and move past it before it even happen, so when it happen, I worry less.