Cooking is one of those things that you get better with practice, and it doesn't need to be expensive to get fairly high quality. You just might not meet McDonald's pricing. That time thing you are speaking of? Well, that's a luxury if you aren't doing it yourself (or a member of your family), and can be overcome by habit. Poor folks do it all the time.
Haircut? Simple style, doesn't actually take much time or energy and the tools cost about the same as a cheap haircut.
The car is slightly better put another way, then: Taking a taxi instead of readily available mass transit. The first is simpler and easier and often quicker, the second cheaper but takes more work and walking on your behalf.