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Live closer to work
People often underestimate the true cost of commuting, both in terms of stress and dollars. The Canadian Automobile Association calculates a couple can spend more than $200,000 over five years making the one hour commute from Barrie, Ont., to Toronto in separate Civic LXs. If you work in a major Canadian city, those costs justify paying a little more for a condo or townhouse in the city and taking public transit or walking to work.