Expense Category	Used Car (Owner)	Public Transport (Concession)
Initial Cost	$5,000 – $12,000 (Purchase)	$0
Annual "Keep" (Rego/CTP)	$850 – $1,300	$0
Comprehensive Insurance	$2,000 – $3,800 (Under 25)	$0
Fuel / Fares	$2,400 ($45/week)	$500 – $1,200
Maintenance & Repairs	$1,200	$0
Parking & Tolls	$500 – $2,000	$0
TOTAL ANNUAL COST	~$7,000 – $10,500+	~$500 – $1,200

Expense Category	Used Car (Owner)	Public Transport (Concession)
Initial Cost	$5,000 – $12,000 (Purchase)	$0
Annual "Keep" (Rego/CTP)	$850 – $1,300	$0
Comprehensive Insurance	$2,000 – $3,800 (Under 25)	$0
Fuel / Fares	$2,400 ($45/week)	$500 – $1,200
Maintenance & Repairs	$1,200	$0
Parking & Tolls	$500 – $2,000	$0
TOTAL ANNUAL COST	~$7,000 – $10,500+	~$500 – $1,200

Expense Category	Used Car (Owner)	Public Transport (Concession)
Initial Cost	$5,000 – $12,000 (Purchase)	$0
Annual "Keep" (Rego/CTP)	$850 – $1,300	$0
Comprehensive Insurance	$2,000 – $3,800 (Under 25)	$0
Fuel / Fares	$2,400 ($45/week)	$500 – $1,200
Maintenance & Repairs	$1,200	$0
Parking & Tolls	$500 – $2,000	$0
TOTAL ANNUAL COST	~$7,000 – $10,500+	~$500 – $1,200

Expense Category	Used Car (Owner)	Public Transport (Concession)
Initial Cost	$5,000 – $12,000 (Purchase)	$0
Annual "Keep" (Rego/CTP)	$850 – $1,300	$0
Comprehensive Insurance	$2,000 – $3,800 (Under 25)	$0
Fuel / Fares	$2,400 ($45/week)	$500 – $1,200
Maintenance & Repairs	$1,200	$0
Parking & Tolls	$500 – $2,000	$0
TOTAL ANNUAL COST	~$7,000 – $10,500+	~$500 – $1,200