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Perfectlap makes excellent points and his advice is spot-on.
Save back $1500 one year for doing your wheel bearings. They usually go out somewhere in the 75k range.
Save back $1200 for a clutch sooner than later.
Save some money and buy a set of metric tools to start doing work on your car yourself. You'd be surprised just how easy doing a brake job is on our cars, even if you have to change out the rotors (which only last through 2 sets of pads and should not be turned, by the way).
I don't drive my car every day and it costs me about $1500 a year to maintain. My door lock assembly on the passenger side just crapped out on me and there's no way to lock the car now manually so I had no choice but to replace it.
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