Start with wins that don't hurt
- Renegotiate phone/internet (see scripts below).
- Switch to cheaper insurance tiers where suitable.
- Explore community benefits and tax credits.
Tiny automations
- $10–$25 per paycheck to savings.
- Round‑ups on purchases.
Lower the "Big 3"
- Housing: roommates, move within your city, or negotiate at lease renewal.
- Transport: transit pass, carpool, usage‑based insurance.
- Food: plan 7 meals, repeat staples, bulk + frozen.
Income boosters
- Overtime/extra shifts, seasonal gigs, sell unused items.
Frequently Asked Questions
How much can I realistically save?
Start with 1‑5%; raise as income improves.
What if I have debt?
Minimums + tiny savings → then increase savings while tackling high‑interest debt.
Is cash‑only better?
If overspending is an issue, try cash for tricky categories.