Downgrading

Around 1 and a half years ago, i'm driving a EX. After changing a job, with no car allowance, sold the EX and get a Civic 92. Almost have it for a year, COE almost ending in 6 months and it is giving me too much headache, maybe will downgrade again to a bike. Damn it... how come ppl work become richer and richer, but how come my condition is going the reverse way???