Answer:
No. Janine has not factored in all of the costs usually associated with car ownership.
Explanation:
Other costs associated with the ownership of a car like a new Honda Civic that Janine is considering buying are: maintenance, license and registration, loan finance charges, and depreciation costs. These costs can drastically reduce Janine's monthly purchasing power and ability to save. The costs of owning a new Honda Civic should be compared to the cost of not owning one now vis-a-vis Janine income.