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Hi John, its exactly as 62440 says, all the expenses come out of your own pocket although a lot of people do share transport costs if they live in the same area.
It is slightly worse for me as a part owner of 45337 money tends to fly out of my wallet on a regular basis along with the other owners.
One thing though it is worth it in the long run, and if I could turn the clock back I would still do it again
Cheers John
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