Hi @Jeremy,
Have you done any blog posts on the true costs of owning a car?
I was going through my budget and trying to have all of my annual expenses. I had a really hard time documenting every detailed purchase.
I do not have any car payments but if I did, it would look like this:
Car payment
Fuel
Insurance
Annual Excise Tax
Quarterly Maintenance (At least oil change)
Annual Inspection
AAA (for unexpected towing)