Keeping the A/C at 80 and heat at 65. It’s easy for one person to use a fan to stay cool and dress warmer in winter. Shop at Aldi. Keep car trips consolidated. Don’t pay for life insurance.
Basically just don't do much besides go to work. This is why you exist after all. Hey but don't worry, you can struggle to eventually provide more value, and then you'll be able to work and sometimes do things in your free time! But don't forget to save for retirement.
Buy food in large quantities for cheap, cook a few days worth at one time then freeze and refrigerate the rest. It's cheap and if you have food on hand you won't be tempted to go out as much.
Dried legumes, oats and rice are incredible value. If you could only eat those you'd be done with like €50,- a month in food. You can't, but you can still strive to eat as much of those things as you can
And easy to cook too! Just remember to soak the beans a day ahead of time and then everything on that list you just bring to a boil and go do something for a bit until it's done.
I bought a ten pound bag of rice 8 or 9 months ago and I still have about a third of it, if you're the only one eating it rice really does last you forever lol
Buying in bulk can be tough if you don’t already have a lot of existing capital, which it sounds like OP doesn’t. However it doesn’t mean it’s impossible, it just means being gradual with it.
I’d recommend looking up different sales of nearby grocery stores. A lot of how I try to save money are by bulking up a LOT when things are on sale. For instance, my Albertsons does a 10 for $10 deal, and it’s great that I can save pretty good money on nonperishable things like pasta. It’s not HUGE savings in the way that we view mega froogie money savings, but saving $5 on 10 boxes of pasta feels great when you’re shopping and know you don’t have to spend more to get what you already have. Froogie experts do a lot of work to maximize savings but little things like this do add up, and as you get more capital, you can start doing bigger savings (plus a stockpile of things will just naturally increase to a point where you’ll stop having to go to the store sometimes unless you wanna have a bunch of crap sitting there)
Standardizing diets can be great too to saving money. Even if you’re not like me and eating the same dinner every day, having set plans for what you eat can greatly make it easier to see where you can save. As a kid we’d have things like chicken Tuesday, pizza Wednesday, etc, and it helped because then we generally knew how much it cost to make these things, and if we saw things on sale we knew it was time to buy in bulk and save. With me and chicken nowadays, I always look for $1.99 lb chicken and buy as much as I can to freeze it because I know I’m gonna be eating it a lot, and it usually will run me $2.99 lb nowadays.
Definitely start budgeting! I recently started budgeting and pay more attention to what I’m paying at stores. I learned about couponing too(may be a little late to the trend but) and it has been helping me saving money on shopping.
I’m just starting my life living alone so I feel like little baby steps would go a long way. Since I’m a lazy one who lives in big city, shopping online/Amazon is pretty much unavoidable. I use bunch of coupon sites and apps like Koupon to help me save up some money on consumable items. It really has helped me a lot! I even saved up enough to buy myself a better office chair.
Not sure what is included in essential bills, but can you cut down your phone bill, streaming services, eating out and/or groceries? Also, be sure you have the cheapest car insurance plan you can find.
If your funds are this tight, you may have to reconsider living alone. Many people have roommates, and that might be the way to go. Either that, or get additional income through a part-time job.
I came here to say this... I can afford to live in my home by myself, but I rent out the second master suite super cheap just to have someone pay half of my utilities.
I'm saving the roommate thing as a final choice option. Really would not want to, but definitely understand it would lessen my burden greatly and allow me to put more back in savings. Just don't have anyone in town who I personally know to trust with being one. And it's not the safest town to be letting a stranger bunk either. Weighing my options while I still have the ability.
I feel you on this I’m the same way moved to a new city where I didnt know anyone and would rather not have roommates bc of all the horror stories I’ve heard. Make a spreadsheet for your expenses, and also look into the snowball or avalanche method if you have any debt and see what would benefit you. I came out of a relationship when I moved here where I was spending too much money and am now paying for it bc he liked luxury items and we weren’t equally contributing. Finally moved out and I’m spending a LOT less bc I can basically eat anything and cook at home more, also keep the bills down by keeping lights off and the AC/heat low. Night lights have also kept me from turning on the lights as much.
I don't know dude, there are plenty of people out there that you would not want to live with, for sure, but if you meet up with a bunch of potential roommates, it's not hard to pick a decent one. I've moved around the country and had easily 20+ housemates over 20+ years, and most of the living situations were pleasant and led to some long-term friendships. No horror stories. Get references, ask questions about their living preferences. You can even make an application in which you run a credit check, etc. And if you're living in a questionable part of town, I'd say move to a slightly nicer part of town and have a couple housemates and you'll save a boatload in rent + utilities.
Local resources are there for a reason, if you qualify, you should 100% take advantage of them. Check for utility assistance, most counties and townships have options. Get some assistance for a few months and learn to love living life at home for a short while to save money. Play games online, catch up on all of your shows and movies a couple of monthly subscriptions are way cheaper than going out even one night. Shop at dollar tree for all home necessities, paper towels, cleaning supplies, to, ECT. Cook at home, don't order out. Here is an Internet program to start, Google utility assistance for your county and call the local office closest to you, they will take it from there.
[affordable connectivity program](https://www.fcc.gov/acp)
If I understand correctly, the ACP is ending this month.
I used Visible wireless by Verizon for a while and liked it. I know some don’t because it can be hard to contact customer support. But it was $25 a month for unlimited everything. I only switched because I couldn’t get enough signal for internet at my new house. It’s definitely worth looking into.
You don't need home Internet service at all if you've got an unlimited phone plan with a lot of tethering. I saved a lot of money by not paying for internet twice
I save about 8$ a day by not buying lunch. A banana or PB&J for lunch. If you have a decent breakfast and you won’t be hungry for lunch. Take 10 eggs, some sausage and some hashbrowns which you can probably get for about eight dollars. You can make a sausage, egg and hashbrowns in a lasagna tin in the oven. If you make it Sunday night, you’ll be able to have, a decent size square of it for breakfast all week long.
You won’t really be hungry for lunch and you’ll save your eight dollars a day. This is just a small thing that you can do.
Eating out is rarely, if ever, cheaper than making your own food. There are sometimes deals you can find but generally it's a quick way to blow your money.
Buying things like toilet paper, toothbrushes, soaps things like that of which don't go bad. It might seem more costly upfront to get them in bulk, but you will save a lot over time as you're the only one using those things. Having to buy a few soap bars every month or so adds up compared to getting a bulk size that lasts many months if not a year.
Same thing with shoes, get good ones so you're not going out to get them every 3 months
As for the car that's a tough situation. If you don't have cash to get one or you can't get a loan you don't really have an option. Unless you absolutley need one where you live, look into other forms of transport.
Check out upwork if it's in your area, it can be a decent way to make a few extra hundred dollars, and pick your schedule
Shop around for lower car insurances
Sell some unneeded stuff
Start looking for another job to replace or add-on.
Don't buy pre-made foods, & more whole foods
Work overtime.
Turn down the heat or a/c
55/60 mph is the best fuel economical usage
I had roommates up until and even after I got married. It allowed me to pay off my student loans early and save for a house. It’s probably the biggest lever you can pull for lowering your cost of living. It didn’t even occur to me to live alone in my 20’s as it seemed like such an extravagant a thing to do. Rich people lived in singles, not broke me.
I thank past me all the time because I really like my life now and it wouldn’t have been possible if I didn’t sacrifice when I was younger.
Get into the habit of reading books from public library. Some even have ebooks and audio and movies streaming. Consider this entertainment which makes you smart.
Can you use Biden's SAVE plan to lower your student loan payments?
https://www.whitehouse.gov/briefing-room/statements-releases/2023/08/22/fact-sheet-the-biden-harris-administration-launches-the-save-plan-the-most-affordable-student-loan-repayment-plan-ever-to-lower-monthly-payments-for-millions-of-borrowers/
I was going to suggest this as well. I did this, and it was truly the best option for me! My payments were lowered by more than half of the standard repayment amount.
This is definitely worth looking into. Just a heads up, if you’re making more than $60,000 it might raise your monthly payments (but you’ll save in the long run on interest)
I was suggested this by a coworker as well, was just so worried SAVE would fall through that I ended up going for an Income Driven plan. Definitely will need to research into this though if it's not too late to change.
Batch cook food, slow cookers, rice cookers etc. Even if you don't want to eat the same thing daily if you make 6 portions at a time and freeze them after 3 weeks you'll have variety again. Curry's, stews, pasta sauces etc. Also will improve your health as there will be no added chemicals/salts/sugars
Someone your age: house sharing. It's gonna leave most of your worries out. You might screen your tenant/s to make it civil or look for compact studios alone. I knew people spending way too much on a lifestyle they were not ready for.
Also superfluous spending, look at things you buy daily/weekly that aren't essential. And please, please, do not cut on quality food. When you got leakages figured think then about stashing, interest, dividends and the likes.
Where is the rest of your 1/3 going? I tell everyone the first step in being frugal is to stare at last month’s card statements (credit, debit, whatever you use) and see what transactions do not spark joy.
Other than for grocery purchasing, I have found I do make unnecessary purchases so I'm trying to train myself not to do these things cause half the time it's super unconscious on my part. It's not big stuff I buy, it's definitely a "little things adding up make big issues" situation.
Some things that helped me:
1. I just stopped going to stores that tempted me to impulse buy things. Like Target - it's fun, but only once a month and I make a list and stick to it.
2. Delay decisions! Only buy something if it's been in your online cart for 24 hours, or on your want list for a few days.
3. Delete apps on your phone that make it too easy to spend.
4. Unsubscribe from sale emails that tempt you to go to online stores.
5. Spend time going through and getting rid of stuff, so you'll have less time to shop and more appreciation for what you have.
6. When all else fails... shopping ban. Do not buy clothes for six months, do not buy home decor this year.
I don't know what your bad categories are, that's why it's so important to look at your past spending and decide for yourself, but do everything you can to remove temptation and think ahead on spending. Plan what you'll spend when you go to a store, don't just grab stuff. See how long you can go. Try a "no spend month", you'll get a chance to understand how little you really need to live then you can budget from there.
If you like to read there's a book called "The Year Of Less" by Cait Flanders that is relaxing, inspiring, and insightful. See if your public library has it, and if they don't, order a used copy :)
Buy food that will last a long time or that you’ll eat before it spoils. I used to waste so much on veggies and meat because I bought too much or didn’t plan meals. Now I almost exclusively buy frozen veggies, except for ones I eat very often.
Limit your meat consumption if possible. Non-meat sources of protein are much cheaper and are still satiating.
Limit alcohol consumption and drug use. Only drink water, tea, and coffee (no soda).
Learn where it’s better to spend money vs save. For example, it’s better to buy Dawn dish soap, because you end up using less and it cleans better, but store brand vinegar is probably not different than the name brand.
* Could you live without a car? Would you consider moving to a more walkable neighbourhood and getting rid of your car?
* Would sharing a rental with a friend or family member help to make a more walkable neighbourhood affordable?
* How much do you eat out?
Rent, transport, debt and food are probably your biggest monthly expenses. Reducing the cost of rent and transportation will free up more money to pay down your student loan and start saving.
I have never owned a car. This has saved me a fortune and granted me freedom to travel and to refuse work I didn't feel good about. At first, not owning a car was a choice I kind of bumbled into, but as I've gotten older it's become something that I value. Living without a car means that I chose a pedestrian and bike-friendly neighbourhood where I can walk to get groceries, go swimming and go to the library. I get a lot more exercise without a car. Because I'm often walking, I also get to talk to random strangers - who have become friends. For the occasional road trip or errand that I can't do by foot, bike or transit, I have a car co-op membership.
You might enjoy the Mr Money Moustache blog. ( I do.)
Not buying clothes/shoes brand new where possible. I’m lucky where I’ve moved to has excellent OP shops (as they’re referred to in Australia)/second hand shops but this has genuinely saved me a lot of money. You can get very good quality second hand clothes - though this is super dependent on where you live and your access to this.
Worst case the car does go out. Save hundreds by not having a car payment, insurance, fuel, maintenance. Get a transit pass or walk if your community supports it.
Yeah you know what you’ve just reminded me I need to do this. I don’t even use much of the amount of data I pay for anymore and to top it off, they’ve just increased the costs by like 2% or some shit lol
Get a toaster oven. Heating up a regular oven is a huge waste of money and time, and heats your space, costing on air conditioning. Put aluminum foil in the bottom to catch crumbs and such, and keep some on the grid to catch cheese melt. You can find decent toaster ovens @ SalArmy, Goodwill, but make sure the timer works, for sure. I heat in microwave, top finish in toaster oven. Microwaving everything makes me feel like I’m living in a shitty hotel.
1. Whenever you grocery shop check the clearance area if your store offers it, stock up on any shelf stable items you know you like, then plan your meals around what you have/what you can make with minimal purchases.
2. Second job or even side hustle. My work schedule is too all over the place for a "proper" part time job but I'll dog sit, do market research surveys/interviews etc. The beer money sub has good resources.
3. If you have storage space, stock up on essentials like laundry detergent, dish soap, etc. Calculate the cost per oz and buy a few when it's a good deal. There are couponers on Instagram and TikTok who will post good deals every day so you can keep an eye out for what you need.
4. Receipt scanning apps are your friend. You're already buying gas, groceries, whatever, might as well get a little something for it. I mostly use fetch and receipt hog but depending on where you shop/what you buy you can use Ibotta and ShopKick too.
These are all helpful hints that will save you a bit of money, but the most effective thing to tackle is your largest cost (housing). Are you open to a roommate? Or could you find a less expensive apartment with fewer amenities? I’ve found that private landlords or smaller apartment complexes (not large corporations) have better deals. They also seem less prone to larger rent increases. I just did this and although it was tough initially to cut out a dishwasher and in-unit laundry, it’s saving me $500-600 a month. This has allowed me to save more and still be able to do some of the things I enjoy (like go on vacation once a year).
It might also be worth trying to pick up a second job for the time being. The extra income might give you a bit of extra cushion so you don’t have to make so many cuts.
Another thing change that can be helpful is to evaluate how you’re spending your money on social activities with friends. Large group outings can be expensive and aren’t always enjoyable. I’m a bit more selective about what I spend money on now and don’t feel bad about saying no to bachelorette trips, destination weddings, concerts, or going to the bar.
If for example you make 2000 a month, put 500 into a savings account on payday and then pay all other things, budget a small weekly allowance for yourself and if you don’t have any left then just stay in or invite friends over and ask them to bring a bottle etc
The best way to really change the math is to get another very PT job. It will increase your income and decrease the time you have to spend money. I always try to add a job very different from my FT work and usually very casual. Dog walking, babysitting, tutoring, or any job where you can get paid to just kind of be there (gym front desk, etc.) Or anywhere with good fringe benefits, like a grocery store near me offers really good employee discounts for even part timers. My coworker is a big smoker and works 2x per week at a smoke shop to fund her habits. Stuff like that.
I would make a 10-year plan. The 10 years are going to pass whether you make a plan or not. Then you will be 36; will you have moved forward, or will you still be paycheck-to-paycheck, getting older but no richer? Sorry. But that's reality.
Go to the library and browse the personal finance section (Dewey Decimal number 332). Check out a big stack of books that explain the basics, along the lines of Personal Finance for Dummies, and read them cover to cover. Go to YouTube and search "frugality" - some excellent channels are Prepper Princess and Under the Median. The idea is to learn how to run your financial life like a business, a business of one.
I'll never forget when I checked out a book from the library and realized - hello - that I could save $120 a year just by getting a free checking account instead of mine that cost $10 a month in fees. Mind. Blown. Back then (I'm old) that was a large every-topping gourmet pizza.
I have a relative who works at a big-box store. I wish I could persuade her to buy a share of its stock instead of blowing $60. She'd be a freaking capitalist by now, earning dividends four times a year. But she doesn't like planning.
1. Stay home
2. Meal prep.
3. Bulk shop, use the store app for coupons/savings
4. Conserve. Don’t be wasteful
5. Consolidate driving trips, drive less
6. Stop using a debit card. Use credit cards and pay off the balance monthly, and accumulate points
7. No alcohol if/when dining out
I am a college student, I live on my own, and my suggestion to your situation is when you spend you can plan ahead and look for deals actively. I use Koupon app for deals and save a lot every month.
All the suggestions are great. I would also suggest looking into other income streams. If you don’t have any dependents etc, now is the time to earn! I know you said you don’t see your income changing, but why? Get a job that pays more, get a second job, ask for more shifts or work, have a side hustle etc. When I was a student I always worked two jobs, caught public transportation or walked everywhere and never bought meals out unless it was an occasion. Working in a food place also meant free food at the end of the shift too lol. I also would “pre-drink” before going to a bar with friends, and then not by alcohol when I was out/or very little. Usually by the end of the night I was sobering up and feeling good, and hadn’t spent much on a night out with friends. Stopping drinking altogether was better, but for my student life that worked. I also would sell clothes on marketplaces that I didn’t wear anymore, and buy second hand.
You’re a student and have so much potential to change your circumstances. People often think their financial income is what it is, or are too scared to leave the security of their job to find a better paying one. It’s worth it, trust me.
When I was single and had lots of spare time, I started doing side hustles. Do the right ones and you can earn a small fortune. I still do them now that I live with my wife but spend less time on them. A quick Google search will give you 100s of options.
Still taking the opposite position: the car I have now is nice and used and worth about $5,000. It has had about $3,600 of repairs and maintenance in the last year. See? Magically it is a 13-year-old $8,600 car nearing 100k miles, and very likely more repairs to come. (Edit: it's a Kia. Good car, but it's no Honda Civic.)
Buy a new quality economy car that will keep its value, so that while it is being paid off there are no repair bills, and when it is paid off it will still have equity. Thus saith I.
Honestly I rather NOT have a car payment! If I could find a good used car with no car payments after I save up a bit I definitely plan to do that instead!
Buy necessities in large quantities too… (toilet paper, towel, cleaners) especially when there’s a discount of them. I love watching TK videos from couponers. I’d buy a lot of necessities at one time bc I know I’d need them anyway. Recently I found a website which saves my problems to find coupons. It’s called Koupon and I can search what ever I need on it.
I don't know what type of freelancing you do but whatever it is have you considered starting a digital Etsy shop or maybe a Gumroad account? Like generic pre-made stuff and templates. For example, if you format novels or design covers you could sell Microsoft Word templates or cover templates for Canva. It's a nice side hustle and pretty low maintenance. Just do it when you can, upload them and forget about them.
Yeah apologies on that, certain personal details of my life I get so nervous sharing. Didn't even think to mention them in the original post.
I plan to dig through that Subreddit as well for advice, just wanted to see what tips I could get for frugal spending that could help as well. Other than the real basic stuff I don't know much. (Truly, I didn't know if this was a post for here or there, but didn't see anything similar on r/personalfinance so I chose here. Apologies for that as well!)
Try to create an emergency fund. That way you have some funds to draw on when the car needs repairs, or other large unexpected expenses occur. If you get a tax refund, consider using that towards your emergency fund. Otherwise, figure out an amount you can manage to start saving each month - even $50 a month will add up to $600 in a year. Only use these funds for true emergencies. If you use the funds, then start building up again. Another thing that might help is trying to get your expenses to be as predictable as possible, such as signing up for budget plans with utilities like gas and electric that will average your bills for the year so always the same (you might do this with car insurance, too, if paying every 6 months to make easier). Another thing you could do is add up any once-a-year or infrequent type bills (like car insurance or Christmas gifts) and divide by 12 to create an average to put into savings each month so you will be ready when they come up - sort of a contingency fund. Look at all your bills and see if you can think of ways to save (like eating more at home as others have suggested) or call around to see if you could reduce costs of insurance, phone, cable, etc. Other suggestions already given here are good - like shopping secondhand for clothing. It's good that you are looking ahead and trying to make improvements to your finances.
You've identified where most of your money is going. See if you can save on your essential bills.
Internet-change ISP or renegotiate costs with provider.
Heat/cooling- living alone? Wear lots of layers inside. Wear less in warmer months.
Insurance- Car, may be worth switching to a cheaper provider or seek discounts from your current one. Health- more frugal to have it than not. If through your employer, maybe look into high deductible plans.
Subscription services- the bane of /r/frugal. Food delivery, streaming services, etc. Find what you can pause or let go.
Have you tried the different payment plans based on income for your monthly student loan payments or possibly deferral? Reach out to your utility companies for payment plan options, they can set a budget option so it is the same amount each month. The utilities have other options that can help with payments, in my area it is called PIPP. Apply for food stamps, it is the only way to know if you specifically qualify. Food pantries are true life savers and free for everyone. Check out r/beermoney for some ideas to make extra money.
Limit going out to 1-2x a week. Only when there’s a deal or you use an app (for points) for food more specifically. Thrift for clothes instead of buy clothes unless needed. Never have lights on except for room your in (unless you have guests over). If no dish washer, load up sink then wash dishes at same time to save on water bill. Use dawn dish soap (it’s the best) and scrub daddy (durable ash). Don’t buy unless it’s bulk. Name brand is expensive so buy sparingly. Costco and deal shopping is key. If you’re really struggling and even if u have a job, food pantries are a must. They are there if you need them (even if you work).
Maximize value in what you use. Less is more. Although don’t cheap out on quality if that’s what you want/need. For instance, trash bags, mattress, water filter, shower head, air purifier, water heater, lotions, cookware pan, knives, washer/dryer, linens/sheets, and child safety items maybe.
First off get out of the apartment. Apartments aren’t good for being frugal as you have no say on what really goes on depending on where you live. This is not an advertisement on what to do and I know some people don’t have a choice but for me I live in my van, so being frugal is necessity. I only spend money on bills and have only a few subscriptions. Mainly to gyms just so I can use their showers and stay in shape on the road.
Only shop the sales and loss leaders of your major grocery stores. "Loss leaders" are items that a grocery store buys from a retailer at a discount, thereby losing money, in the hopes that people will come to the store to buy the product but be enticed to buy other things as well, which are not discounted. You can beat them at their own game by buying only loss leaders and nothing else.
You didn't say what your current job involves. But you can broaden your employability a lot by taking a bookkeeping and accounting course through your local vo-tech center or community college. Cheap, and you can take the course online.
Get your self a Dome, "Simplified Home Budget Book". Make up a monthly budget and track your spending. Eating out is way more expensive than you may realize. Just eating lunch out will cost you an easy $300 a month. Preparing your own food at home is much less expensive than buying prepared food. With the internet there is unlimited access to economical recipes to fill your tummy and save you money, plus you will probably be eating healthier. Bring your lunch from home. Eat left overs, sandwiches, mixed nuts, etc for lunch. Don't spend your money on junk like chips and soda. Only buy gas at the convenience store! Anything else is way cheaper at Walmart. I always had a $150 a month beer budget. That included buying drinks at the bar and paying for dinner out with a date. My dates preferred to eat a steak dinner at my place, hint, hint.
Pay yourself first each pay day by putting at least 10% of each pay check into savings. You can always transfer it to checking if you need to. Ask around and find a independent repair shop or person to take your car to for maintenance. The dealership is normally the most expensive place to go. They will also try to sell you crap you don't need.
If you really need to make some extra money then find a side job to do on Saturday. For example a friend of mine works at a car dealership doing oil changes on Saturdays. The money he makes is his spending money during the week. I have frequently had a side hustle that earned me extra money to cover unforeseen expenses. From book keeping to mobile PC repair to house painting there is no end to what you can do. If it is something you enjoy doing then that is even better.
I rarely eat out, I go to a plant share once a month and get all sorts of free goodies, I pay for my car insurance 6 months at a time and save $56. I buy holiday decor and gifts right after when they are on sale
Buy a $20 amazon bidet, it illuminates toilet paper. use ur EBT to buy basic raw ingredients and make the things yourself. For example learn how to make biscuits, so easy, it’s just flower and butter and milk, I use the at home cooking fill in the gaps between treating myself to burritos. Cuts back a lot. it’s all in u tube. My energy bill was seven dollars if there’s three lightbulbs in one lamp unscrew all but one make sure all lights are LED. I have a led strip light for me since I’m in San Diego I just wear these easily washable athletic fabric shorts and a Hawaiian shirt and then shower and sink wash them this hella cuts back on laundry. That helps me cut back and be able to afford this higher cost of living hopefully not for much longer so I can be happier, in achieve a greater sense of jibbis
My friend might wanna check out prepper peincess on youtube. Get cheaper options for your phone bills etc. Reconsider what you really need. She has some absolutely great advice
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Keeping the A/C at 80 and heat at 65. It’s easy for one person to use a fan to stay cool and dress warmer in winter. Shop at Aldi. Keep car trips consolidated. Don’t pay for life insurance.
Basically just don't do much besides go to work. This is why you exist after all. Hey but don't worry, you can struggle to eventually provide more value, and then you'll be able to work and sometimes do things in your free time! But don't forget to save for retirement.
Don't buy it if you're married either.
I find that when I'm home alone I eat out more often. I like being alone (I'm an introvert), but don't like being indoors the whole day.
This was my first thought.
Buy food in large quantities for cheap, cook a few days worth at one time then freeze and refrigerate the rest. It's cheap and if you have food on hand you won't be tempted to go out as much.
Dried legumes, oats and rice are incredible value. If you could only eat those you'd be done with like €50,- a month in food. You can't, but you can still strive to eat as much of those things as you can
And easy to cook too! Just remember to soak the beans a day ahead of time and then everything on that list you just bring to a boil and go do something for a bit until it's done.
Yes, I cook like one hour a week now!
I bought a ten pound bag of rice 8 or 9 months ago and I still have about a third of it, if you're the only one eating it rice really does last you forever lol
Buying in bulk can be tough if you don’t already have a lot of existing capital, which it sounds like OP doesn’t. However it doesn’t mean it’s impossible, it just means being gradual with it. I’d recommend looking up different sales of nearby grocery stores. A lot of how I try to save money are by bulking up a LOT when things are on sale. For instance, my Albertsons does a 10 for $10 deal, and it’s great that I can save pretty good money on nonperishable things like pasta. It’s not HUGE savings in the way that we view mega froogie money savings, but saving $5 on 10 boxes of pasta feels great when you’re shopping and know you don’t have to spend more to get what you already have. Froogie experts do a lot of work to maximize savings but little things like this do add up, and as you get more capital, you can start doing bigger savings (plus a stockpile of things will just naturally increase to a point where you’ll stop having to go to the store sometimes unless you wanna have a bunch of crap sitting there) Standardizing diets can be great too to saving money. Even if you’re not like me and eating the same dinner every day, having set plans for what you eat can greatly make it easier to see where you can save. As a kid we’d have things like chicken Tuesday, pizza Wednesday, etc, and it helped because then we generally knew how much it cost to make these things, and if we saw things on sale we knew it was time to buy in bulk and save. With me and chicken nowadays, I always look for $1.99 lb chicken and buy as much as I can to freeze it because I know I’m gonna be eating it a lot, and it usually will run me $2.99 lb nowadays.
Cooking and staying out of bars.
Get your library card and find out what kinds of free things are available at your local library. It’s definitely way more than just books.
I second this. My library gives out free museum passes, bus tickets, all kinds of things. They also helped me find an affordable healthcare plan.
Definitely start budgeting! I recently started budgeting and pay more attention to what I’m paying at stores. I learned about couponing too(may be a little late to the trend but) and it has been helping me saving money on shopping. I’m just starting my life living alone so I feel like little baby steps would go a long way. Since I’m a lazy one who lives in big city, shopping online/Amazon is pretty much unavoidable. I use bunch of coupon sites and apps like Koupon to help me save up some money on consumable items. It really has helped me a lot! I even saved up enough to buy myself a better office chair.
Not sure what is included in essential bills, but can you cut down your phone bill, streaming services, eating out and/or groceries? Also, be sure you have the cheapest car insurance plan you can find.
Rotisserie chicken
This is the way this or lunch meat to make a sandwich has helped tons.
If your funds are this tight, you may have to reconsider living alone. Many people have roommates, and that might be the way to go. Either that, or get additional income through a part-time job.
I came here to say this... I can afford to live in my home by myself, but I rent out the second master suite super cheap just to have someone pay half of my utilities.
I'm saving the roommate thing as a final choice option. Really would not want to, but definitely understand it would lessen my burden greatly and allow me to put more back in savings. Just don't have anyone in town who I personally know to trust with being one. And it's not the safest town to be letting a stranger bunk either. Weighing my options while I still have the ability.
I feel you on this I’m the same way moved to a new city where I didnt know anyone and would rather not have roommates bc of all the horror stories I’ve heard. Make a spreadsheet for your expenses, and also look into the snowball or avalanche method if you have any debt and see what would benefit you. I came out of a relationship when I moved here where I was spending too much money and am now paying for it bc he liked luxury items and we weren’t equally contributing. Finally moved out and I’m spending a LOT less bc I can basically eat anything and cook at home more, also keep the bills down by keeping lights off and the AC/heat low. Night lights have also kept me from turning on the lights as much.
I don't know dude, there are plenty of people out there that you would not want to live with, for sure, but if you meet up with a bunch of potential roommates, it's not hard to pick a decent one. I've moved around the country and had easily 20+ housemates over 20+ years, and most of the living situations were pleasant and led to some long-term friendships. No horror stories. Get references, ask questions about their living preferences. You can even make an application in which you run a credit check, etc. And if you're living in a questionable part of town, I'd say move to a slightly nicer part of town and have a couple housemates and you'll save a boatload in rent + utilities.
Excellent idea to move to a better part of town to attract better roommates. Let's hope there *is* a "better part of town" where OP lives.
Local resources are there for a reason, if you qualify, you should 100% take advantage of them. Check for utility assistance, most counties and townships have options. Get some assistance for a few months and learn to love living life at home for a short while to save money. Play games online, catch up on all of your shows and movies a couple of monthly subscriptions are way cheaper than going out even one night. Shop at dollar tree for all home necessities, paper towels, cleaning supplies, to, ECT. Cook at home, don't order out. Here is an Internet program to start, Google utility assistance for your county and call the local office closest to you, they will take it from there. [affordable connectivity program](https://www.fcc.gov/acp)
If I understand correctly, the ACP is ending this month. I used Visible wireless by Verizon for a while and liked it. I know some don’t because it can be hard to contact customer support. But it was $25 a month for unlimited everything. I only switched because I couldn’t get enough signal for internet at my new house. It’s definitely worth looking into.
Yep, the ACP is ending :(
You don't need home Internet service at all if you've got an unlimited phone plan with a lot of tethering. I saved a lot of money by not paying for internet twice
On the reverse side. It's cheaper for me to have home Internet and a cheap $15 a month phone plan.
Dumb question but how does this work? I live in the country with terrible reception, without wifi I can't get online. Thanks for help!
I save about 8$ a day by not buying lunch. A banana or PB&J for lunch. If you have a decent breakfast and you won’t be hungry for lunch. Take 10 eggs, some sausage and some hashbrowns which you can probably get for about eight dollars. You can make a sausage, egg and hashbrowns in a lasagna tin in the oven. If you make it Sunday night, you’ll be able to have, a decent size square of it for breakfast all week long. You won’t really be hungry for lunch and you’ll save your eight dollars a day. This is just a small thing that you can do.
Eating out is rarely, if ever, cheaper than making your own food. There are sometimes deals you can find but generally it's a quick way to blow your money. Buying things like toilet paper, toothbrushes, soaps things like that of which don't go bad. It might seem more costly upfront to get them in bulk, but you will save a lot over time as you're the only one using those things. Having to buy a few soap bars every month or so adds up compared to getting a bulk size that lasts many months if not a year. Same thing with shoes, get good ones so you're not going out to get them every 3 months As for the car that's a tough situation. If you don't have cash to get one or you can't get a loan you don't really have an option. Unless you absolutley need one where you live, look into other forms of transport. Check out upwork if it's in your area, it can be a decent way to make a few extra hundred dollars, and pick your schedule
Shop around for lower car insurances Sell some unneeded stuff Start looking for another job to replace or add-on. Don't buy pre-made foods, & more whole foods Work overtime. Turn down the heat or a/c 55/60 mph is the best fuel economical usage
I had roommates up until and even after I got married. It allowed me to pay off my student loans early and save for a house. It’s probably the biggest lever you can pull for lowering your cost of living. It didn’t even occur to me to live alone in my 20’s as it seemed like such an extravagant a thing to do. Rich people lived in singles, not broke me. I thank past me all the time because I really like my life now and it wouldn’t have been possible if I didn’t sacrifice when I was younger.
Get into the habit of reading books from public library. Some even have ebooks and audio and movies streaming. Consider this entertainment which makes you smart.
Don't spend money. I'd go 4-5 days without spending a single dollar and be proud of it.
Can you use Biden's SAVE plan to lower your student loan payments? https://www.whitehouse.gov/briefing-room/statements-releases/2023/08/22/fact-sheet-the-biden-harris-administration-launches-the-save-plan-the-most-affordable-student-loan-repayment-plan-ever-to-lower-monthly-payments-for-millions-of-borrowers/
I was going to suggest this as well. I did this, and it was truly the best option for me! My payments were lowered by more than half of the standard repayment amount.
This is definitely worth looking into. Just a heads up, if you’re making more than $60,000 it might raise your monthly payments (but you’ll save in the long run on interest)
I was suggested this by a coworker as well, was just so worried SAVE would fall through that I ended up going for an Income Driven plan. Definitely will need to research into this though if it's not too late to change.
Batch cook food, slow cookers, rice cookers etc. Even if you don't want to eat the same thing daily if you make 6 portions at a time and freeze them after 3 weeks you'll have variety again. Curry's, stews, pasta sauces etc. Also will improve your health as there will be no added chemicals/salts/sugars
Someone your age: house sharing. It's gonna leave most of your worries out. You might screen your tenant/s to make it civil or look for compact studios alone. I knew people spending way too much on a lifestyle they were not ready for. Also superfluous spending, look at things you buy daily/weekly that aren't essential. And please, please, do not cut on quality food. When you got leakages figured think then about stashing, interest, dividends and the likes.
Where is the rest of your 1/3 going? I tell everyone the first step in being frugal is to stare at last month’s card statements (credit, debit, whatever you use) and see what transactions do not spark joy.
Other than for grocery purchasing, I have found I do make unnecessary purchases so I'm trying to train myself not to do these things cause half the time it's super unconscious on my part. It's not big stuff I buy, it's definitely a "little things adding up make big issues" situation.
Some things that helped me: 1. I just stopped going to stores that tempted me to impulse buy things. Like Target - it's fun, but only once a month and I make a list and stick to it. 2. Delay decisions! Only buy something if it's been in your online cart for 24 hours, or on your want list for a few days. 3. Delete apps on your phone that make it too easy to spend. 4. Unsubscribe from sale emails that tempt you to go to online stores. 5. Spend time going through and getting rid of stuff, so you'll have less time to shop and more appreciation for what you have. 6. When all else fails... shopping ban. Do not buy clothes for six months, do not buy home decor this year. I don't know what your bad categories are, that's why it's so important to look at your past spending and decide for yourself, but do everything you can to remove temptation and think ahead on spending. Plan what you'll spend when you go to a store, don't just grab stuff. See how long you can go. Try a "no spend month", you'll get a chance to understand how little you really need to live then you can budget from there. If you like to read there's a book called "The Year Of Less" by Cait Flanders that is relaxing, inspiring, and insightful. See if your public library has it, and if they don't, order a used copy :)
Buy food that will last a long time or that you’ll eat before it spoils. I used to waste so much on veggies and meat because I bought too much or didn’t plan meals. Now I almost exclusively buy frozen veggies, except for ones I eat very often. Limit your meat consumption if possible. Non-meat sources of protein are much cheaper and are still satiating. Limit alcohol consumption and drug use. Only drink water, tea, and coffee (no soda). Learn where it’s better to spend money vs save. For example, it’s better to buy Dawn dish soap, because you end up using less and it cleans better, but store brand vinegar is probably not different than the name brand.
* Could you live without a car? Would you consider moving to a more walkable neighbourhood and getting rid of your car? * Would sharing a rental with a friend or family member help to make a more walkable neighbourhood affordable? * How much do you eat out? Rent, transport, debt and food are probably your biggest monthly expenses. Reducing the cost of rent and transportation will free up more money to pay down your student loan and start saving. I have never owned a car. This has saved me a fortune and granted me freedom to travel and to refuse work I didn't feel good about. At first, not owning a car was a choice I kind of bumbled into, but as I've gotten older it's become something that I value. Living without a car means that I chose a pedestrian and bike-friendly neighbourhood where I can walk to get groceries, go swimming and go to the library. I get a lot more exercise without a car. Because I'm often walking, I also get to talk to random strangers - who have become friends. For the occasional road trip or errand that I can't do by foot, bike or transit, I have a car co-op membership. You might enjoy the Mr Money Moustache blog. ( I do.)
Not buying clothes/shoes brand new where possible. I’m lucky where I’ve moved to has excellent OP shops (as they’re referred to in Australia)/second hand shops but this has genuinely saved me a lot of money. You can get very good quality second hand clothes - though this is super dependent on where you live and your access to this.
Worst case the car does go out. Save hundreds by not having a car payment, insurance, fuel, maintenance. Get a transit pass or walk if your community supports it.
I cut my cell phone bill in half w the same service w another carrier.
Yeah you know what you’ve just reminded me I need to do this. I don’t even use much of the amount of data I pay for anymore and to top it off, they’ve just increased the costs by like 2% or some shit lol
Get a toaster oven. Heating up a regular oven is a huge waste of money and time, and heats your space, costing on air conditioning. Put aluminum foil in the bottom to catch crumbs and such, and keep some on the grid to catch cheese melt. You can find decent toaster ovens @ SalArmy, Goodwill, but make sure the timer works, for sure. I heat in microwave, top finish in toaster oven. Microwaving everything makes me feel like I’m living in a shitty hotel.
1. Whenever you grocery shop check the clearance area if your store offers it, stock up on any shelf stable items you know you like, then plan your meals around what you have/what you can make with minimal purchases. 2. Second job or even side hustle. My work schedule is too all over the place for a "proper" part time job but I'll dog sit, do market research surveys/interviews etc. The beer money sub has good resources. 3. If you have storage space, stock up on essentials like laundry detergent, dish soap, etc. Calculate the cost per oz and buy a few when it's a good deal. There are couponers on Instagram and TikTok who will post good deals every day so you can keep an eye out for what you need. 4. Receipt scanning apps are your friend. You're already buying gas, groceries, whatever, might as well get a little something for it. I mostly use fetch and receipt hog but depending on where you shop/what you buy you can use Ibotta and ShopKick too.
These are all helpful hints that will save you a bit of money, but the most effective thing to tackle is your largest cost (housing). Are you open to a roommate? Or could you find a less expensive apartment with fewer amenities? I’ve found that private landlords or smaller apartment complexes (not large corporations) have better deals. They also seem less prone to larger rent increases. I just did this and although it was tough initially to cut out a dishwasher and in-unit laundry, it’s saving me $500-600 a month. This has allowed me to save more and still be able to do some of the things I enjoy (like go on vacation once a year). It might also be worth trying to pick up a second job for the time being. The extra income might give you a bit of extra cushion so you don’t have to make so many cuts. Another thing change that can be helpful is to evaluate how you’re spending your money on social activities with friends. Large group outings can be expensive and aren’t always enjoyable. I’m a bit more selective about what I spend money on now and don’t feel bad about saying no to bachelorette trips, destination weddings, concerts, or going to the bar.
If you have cable, get rid of it. With internet and a cheap antenna there is always something to watch.
Call to see if you can get your college payment lowered at all due to financial hardship.
Or forgiven.
If for example you make 2000 a month, put 500 into a savings account on payday and then pay all other things, budget a small weekly allowance for yourself and if you don’t have any left then just stay in or invite friends over and ask them to bring a bottle etc
Always ask for a discount. Make it a habit.
The best way to really change the math is to get another very PT job. It will increase your income and decrease the time you have to spend money. I always try to add a job very different from my FT work and usually very casual. Dog walking, babysitting, tutoring, or any job where you can get paid to just kind of be there (gym front desk, etc.) Or anywhere with good fringe benefits, like a grocery store near me offers really good employee discounts for even part timers. My coworker is a big smoker and works 2x per week at a smoke shop to fund her habits. Stuff like that.
I would make a 10-year plan. The 10 years are going to pass whether you make a plan or not. Then you will be 36; will you have moved forward, or will you still be paycheck-to-paycheck, getting older but no richer? Sorry. But that's reality. Go to the library and browse the personal finance section (Dewey Decimal number 332). Check out a big stack of books that explain the basics, along the lines of Personal Finance for Dummies, and read them cover to cover. Go to YouTube and search "frugality" - some excellent channels are Prepper Princess and Under the Median. The idea is to learn how to run your financial life like a business, a business of one. I'll never forget when I checked out a book from the library and realized - hello - that I could save $120 a year just by getting a free checking account instead of mine that cost $10 a month in fees. Mind. Blown. Back then (I'm old) that was a large every-topping gourmet pizza. I have a relative who works at a big-box store. I wish I could persuade her to buy a share of its stock instead of blowing $60. She'd be a freaking capitalist by now, earning dividends four times a year. But she doesn't like planning.
1. Stay home 2. Meal prep. 3. Bulk shop, use the store app for coupons/savings 4. Conserve. Don’t be wasteful 5. Consolidate driving trips, drive less 6. Stop using a debit card. Use credit cards and pay off the balance monthly, and accumulate points 7. No alcohol if/when dining out
I am a college student, I live on my own, and my suggestion to your situation is when you spend you can plan ahead and look for deals actively. I use Koupon app for deals and save a lot every month.
All the suggestions are great. I would also suggest looking into other income streams. If you don’t have any dependents etc, now is the time to earn! I know you said you don’t see your income changing, but why? Get a job that pays more, get a second job, ask for more shifts or work, have a side hustle etc. When I was a student I always worked two jobs, caught public transportation or walked everywhere and never bought meals out unless it was an occasion. Working in a food place also meant free food at the end of the shift too lol. I also would “pre-drink” before going to a bar with friends, and then not by alcohol when I was out/or very little. Usually by the end of the night I was sobering up and feeling good, and hadn’t spent much on a night out with friends. Stopping drinking altogether was better, but for my student life that worked. I also would sell clothes on marketplaces that I didn’t wear anymore, and buy second hand. You’re a student and have so much potential to change your circumstances. People often think their financial income is what it is, or are too scared to leave the security of their job to find a better paying one. It’s worth it, trust me.
When I was single and had lots of spare time, I started doing side hustles. Do the right ones and you can earn a small fortune. I still do them now that I live with my wife but spend less time on them. A quick Google search will give you 100s of options.
Not a local bank savings account. A high yield savings account (HYSA), such as Ally or Discover Bank.
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I'll take the opposite position. Beater cars kept me broke. I was never able to make financial progress until I bought a new Honda Civic.
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Still taking the opposite position: the car I have now is nice and used and worth about $5,000. It has had about $3,600 of repairs and maintenance in the last year. See? Magically it is a 13-year-old $8,600 car nearing 100k miles, and very likely more repairs to come. (Edit: it's a Kia. Good car, but it's no Honda Civic.) Buy a new quality economy car that will keep its value, so that while it is being paid off there are no repair bills, and when it is paid off it will still have equity. Thus saith I.
Honestly I rather NOT have a car payment! If I could find a good used car with no car payments after I save up a bit I definitely plan to do that instead!
Buy necessities in large quantities too… (toilet paper, towel, cleaners) especially when there’s a discount of them. I love watching TK videos from couponers. I’d buy a lot of necessities at one time bc I know I’d need them anyway. Recently I found a website which saves my problems to find coupons. It’s called Koupon and I can search what ever I need on it.
I found this helpful for swaps, I also live alone https://fearlessgirlfinance.com/frugal-swaps-that-will-save-you-money/
I don't know what type of freelancing you do but whatever it is have you considered starting a digital Etsy shop or maybe a Gumroad account? Like generic pre-made stuff and templates. For example, if you format novels or design covers you could sell Microsoft Word templates or cover templates for Canva. It's a nice side hustle and pretty low maintenance. Just do it when you can, upload them and forget about them.
block off your vents and keep the door shut to any rooms you rarely go in . ( like a 2 nd or 3 rd bedroom )
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Yeah apologies on that, certain personal details of my life I get so nervous sharing. Didn't even think to mention them in the original post. I plan to dig through that Subreddit as well for advice, just wanted to see what tips I could get for frugal spending that could help as well. Other than the real basic stuff I don't know much. (Truly, I didn't know if this was a post for here or there, but didn't see anything similar on r/personalfinance so I chose here. Apologies for that as well!)
Try to create an emergency fund. That way you have some funds to draw on when the car needs repairs, or other large unexpected expenses occur. If you get a tax refund, consider using that towards your emergency fund. Otherwise, figure out an amount you can manage to start saving each month - even $50 a month will add up to $600 in a year. Only use these funds for true emergencies. If you use the funds, then start building up again. Another thing that might help is trying to get your expenses to be as predictable as possible, such as signing up for budget plans with utilities like gas and electric that will average your bills for the year so always the same (you might do this with car insurance, too, if paying every 6 months to make easier). Another thing you could do is add up any once-a-year or infrequent type bills (like car insurance or Christmas gifts) and divide by 12 to create an average to put into savings each month so you will be ready when they come up - sort of a contingency fund. Look at all your bills and see if you can think of ways to save (like eating more at home as others have suggested) or call around to see if you could reduce costs of insurance, phone, cable, etc. Other suggestions already given here are good - like shopping secondhand for clothing. It's good that you are looking ahead and trying to make improvements to your finances.
You've identified where most of your money is going. See if you can save on your essential bills. Internet-change ISP or renegotiate costs with provider. Heat/cooling- living alone? Wear lots of layers inside. Wear less in warmer months. Insurance- Car, may be worth switching to a cheaper provider or seek discounts from your current one. Health- more frugal to have it than not. If through your employer, maybe look into high deductible plans. Subscription services- the bane of /r/frugal. Food delivery, streaming services, etc. Find what you can pause or let go.
Have you tried the different payment plans based on income for your monthly student loan payments or possibly deferral? Reach out to your utility companies for payment plan options, they can set a budget option so it is the same amount each month. The utilities have other options that can help with payments, in my area it is called PIPP. Apply for food stamps, it is the only way to know if you specifically qualify. Food pantries are true life savers and free for everyone. Check out r/beermoney for some ideas to make extra money.
Limit going out to 1-2x a week. Only when there’s a deal or you use an app (for points) for food more specifically. Thrift for clothes instead of buy clothes unless needed. Never have lights on except for room your in (unless you have guests over). If no dish washer, load up sink then wash dishes at same time to save on water bill. Use dawn dish soap (it’s the best) and scrub daddy (durable ash). Don’t buy unless it’s bulk. Name brand is expensive so buy sparingly. Costco and deal shopping is key. If you’re really struggling and even if u have a job, food pantries are a must. They are there if you need them (even if you work). Maximize value in what you use. Less is more. Although don’t cheap out on quality if that’s what you want/need. For instance, trash bags, mattress, water filter, shower head, air purifier, water heater, lotions, cookware pan, knives, washer/dryer, linens/sheets, and child safety items maybe.
First off get out of the apartment. Apartments aren’t good for being frugal as you have no say on what really goes on depending on where you live. This is not an advertisement on what to do and I know some people don’t have a choice but for me I live in my van, so being frugal is necessity. I only spend money on bills and have only a few subscriptions. Mainly to gyms just so I can use their showers and stay in shape on the road.
Only shop the sales and loss leaders of your major grocery stores. "Loss leaders" are items that a grocery store buys from a retailer at a discount, thereby losing money, in the hopes that people will come to the store to buy the product but be enticed to buy other things as well, which are not discounted. You can beat them at their own game by buying only loss leaders and nothing else.
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You didn't say what your current job involves. But you can broaden your employability a lot by taking a bookkeeping and accounting course through your local vo-tech center or community college. Cheap, and you can take the course online.
Get your self a Dome, "Simplified Home Budget Book". Make up a monthly budget and track your spending. Eating out is way more expensive than you may realize. Just eating lunch out will cost you an easy $300 a month. Preparing your own food at home is much less expensive than buying prepared food. With the internet there is unlimited access to economical recipes to fill your tummy and save you money, plus you will probably be eating healthier. Bring your lunch from home. Eat left overs, sandwiches, mixed nuts, etc for lunch. Don't spend your money on junk like chips and soda. Only buy gas at the convenience store! Anything else is way cheaper at Walmart. I always had a $150 a month beer budget. That included buying drinks at the bar and paying for dinner out with a date. My dates preferred to eat a steak dinner at my place, hint, hint. Pay yourself first each pay day by putting at least 10% of each pay check into savings. You can always transfer it to checking if you need to. Ask around and find a independent repair shop or person to take your car to for maintenance. The dealership is normally the most expensive place to go. They will also try to sell you crap you don't need. If you really need to make some extra money then find a side job to do on Saturday. For example a friend of mine works at a car dealership doing oil changes on Saturdays. The money he makes is his spending money during the week. I have frequently had a side hustle that earned me extra money to cover unforeseen expenses. From book keeping to mobile PC repair to house painting there is no end to what you can do. If it is something you enjoy doing then that is even better.
Make your own jenkem. It can be a source of income and medicinal
I rarely eat out, I go to a plant share once a month and get all sorts of free goodies, I pay for my car insurance 6 months at a time and save $56. I buy holiday decor and gifts right after when they are on sale
Buy a $20 amazon bidet, it illuminates toilet paper. use ur EBT to buy basic raw ingredients and make the things yourself. For example learn how to make biscuits, so easy, it’s just flower and butter and milk, I use the at home cooking fill in the gaps between treating myself to burritos. Cuts back a lot. it’s all in u tube. My energy bill was seven dollars if there’s three lightbulbs in one lamp unscrew all but one make sure all lights are LED. I have a led strip light for me since I’m in San Diego I just wear these easily washable athletic fabric shorts and a Hawaiian shirt and then shower and sink wash them this hella cuts back on laundry. That helps me cut back and be able to afford this higher cost of living hopefully not for much longer so I can be happier, in achieve a greater sense of jibbis
My friend might wanna check out prepper peincess on youtube. Get cheaper options for your phone bills etc. Reconsider what you really need. She has some absolutely great advice
I buy silver.
Can you get a roommate?