Tired of paying your rental car company an extra $5 or even $10 per day just for the privilege of using the company's toll transponder? And that's on top of the cost of the tolls themselves. You do have another option.

Today, a renter in the U.S. needs to make $25.82 an hour, up from $24.90 last year, in order to afford rent for a modest two-bedroom apartment, according to the NLIHC.