I live in the San Francisco Bay Area on just $50,000 a year - here's how I do it

When you include car payments, gas, insurance, repairs, and depreciation, it costs about $3,600 to own a car in the Bay Area, a local reporter found. Credit Karma reports that the average new car payment in 2019 is $554 per month and the average for a used car is $391. It would cost me between $690 and $850 per month to own a motor vehicle.

When I gave up my car, I assumed I would use a big chunk of the money I saved on car alternatives such as taxis, rentals, and car-sharing programs. I don't. It's too easy to get around by bike and public transit, and I'm usually too cheap to shell out $10 bucks for a taxi home. Going car-free is one of the things that made it possible to start my writing career.

I spend a little more than $10 a week on public transit. If I need to get somewhere in a hurry, I will take an occasional Lyft ride or borrow a car with Gig, a local car-sharing program.

I also occasionally borrow a car from a neighbor. The cost for this: an occasional tank of gas, about $40 every couple of months.

Most of the places I need to go are easy to get to by bike, so that's my main mode of transportation. With the money I save on car payments, I can splash out a little on my bikes and gear and still save money. I have two bikes, a Brompton folding bike and a Burley hybrid.

My bike expenses are limited to repairs and maintenance and replacing bike gear that wears out. This year, I've spent $60 on two pairs of bike gloves, $89 on a folding helmet from Indiegogo that I hope to receive someday, and $200 on repairs and maintenance. That's probably it for the rest of the year, so biking will cost me $349 this year, or less than $30 per month.

I put a lot of miles on my bikes and I usually spend a bit more on tune-ups and replacement parts. That's because many of my rides are on someone else's bike. For $150 a year, I get unlimited rides on Bay Wheels, the Bay Area's bike-share program operated by Lyft.

I use bike-share bikes when I want to leave from one metro station and return home from another, or when I'm going somewhere that doesn't feel safe to park my bike. I take approximately 26 trips using Bay Wheels each month. That breaks down to less than $0.50 per ride. That's way cheaper than the bus or train and it includes bike maintenance.

I rent a small workspace for my freelance business in a warehouse of Burning Man artists. The rent is $242 a month and I get to see the magnificent artwork as it's being created.

I do most of the grocery shopping for our household. At the farmers market this week, I spent $57 for two bags of fresh veggies and fruit, a loaf of bread, two bars of fancy vegan chocolate, and four tamales. I find that the produce at the farmers market is much fresher than what you find in the grocery store — this makes it a better deal because it lasts longer in the fridge, so very little goes to waste.

Living in a small place and buying bulk at Costco aren't the best match, but I find ways to stash a supply of our favorite foods in the closets. I buy almond milk, tofu, butter, cereal, honey, spices, and frozen blueberries by the case. I go to Costco about five times a year to stock up. I save enough to cover the $60 membership fee several times over.

While I still had my office job, I saw a slew of alternative health practitioners: chiropractor, naturopath, acupuncturist, massage therapist. None of this was covered by insurance and I spent thousands of dollars every year out of pocket.

When I quit to go freelance, I had to let all that go. But I don't need to give up self-care entirely. I can get a 50-minute student massage at a massage school for just $35.

The Bay Area is home to some very fine restaurants, but you can also find fabulous food without the Michelin star or the prices to go with it. You don't have to pay a lot to have the best tacos you will ever eat at La Taqueria in San Francisco, but you will have to fight the crowds, since their burritos were named the best in the US.

This week I joined friends for tacos ($12), shared a Vietnamese dinner ($19), and took myself out to lunch at my favorite lunch spot ($20, including a juice). I usually drink tap water instead of buying drinks, which helps keep the cost of eating out reasonable.

Biking is great, but I love to swim. I could save a little money by swimming at a city pool, but the hours are limited and the outdoor pools are cold in winter. My $71 monthly membership fee at the Y includes a locker rental and use of other facilities like the weight room and hot tub. It's a little splurge that's so worth it.

Clothes are my Achilles' heel. I love to shop and I love to buy new clothes, so I've had to find ways to indulge my passion on the cheap. My favorite store sells designer clothes at steep discounts and has frequent sales. I've been able to buy some fun clothes without spending the grocery money.

When it comes to a fun night out, I don't have to go to a first-run theatre and shell out $15 for a ticket and a small fortune for popcorn. Oakland's New Parkway Theater shows an eclectic and interesting collection of movies, both old and new, and admission is usually just $10. Plus, the seating is comfy couches and you can order dinner to be delivered to your seat. On a recent visit, dinner for two plus popcorn was just $36.

One way I've found to save money while still getting to enjoy the Bay Area's rich culture is to buy a membership to the Oakland Museum of California. Our family membership gets us admission to the regular museum's collection of art and historical artifacts plus special shows. Regular admission to the current exhibition, "No Spectators: The Art of Burning Man" is $21, so our membership pays for itself in just a few visits.

We decided to pay $20 extra for the family membership because it allows us to treat our friends by taking them as guests. On a recent weekend, we went for the Day of the Dead celebration and came home with sugar skulls for our own offrenda.

This week, we were lucky enough to get to see a Cirque du Soleil show for free. The tickets were a perk from my wife's job, but there are lots of ways to enjoy Bay Area cultural events for free. In the past, I have volunteered as an usher to see performances and gotten free tickets from friends who couldn't make a show.

One of my favorite things to do in the Bay Area is ride my bike by the water. Price: absolutely free.

After the show, we rode along the Embarcadero under the glistening lights of the Bay Bridge. That's why I fight to stake out my little spot in this expensive part of the country — because it's absolutely beautiful.