How do you truly dial back on costs? I'm trying to get my credit card bill to be less this year, but I feel like I'm already only spending on needs rather than wants. The only 'wants' I spend on are occasional eating out and clothes if I see a good deal. I hate to think that living paycheck to paycheck is possibly the only way.

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works at
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I’m in the same boat. Have you audited your credit card bills for any recurring subscriptions you don’t need? Consider annual subscriptions too.

After that I called up my mobile phone service and internet company to negotiate better deals, or switched.

I also try to invest a bit each month into a high dividend ETF which I can use the dividends for living expenses. It’s motivating to see my dividend check increase each quarter.

My last hack would be to say if you had a hobby that you could convert into income? I love orange theory fitness and now I’m debating applying to work there part-time for a free membership.

Highly recommend tracking all spending to check for anything hidden. I just had about $40 come out on Apple for subscriptions I’m not even using. I find groceries to be a big variable. Shop in season and deals, pantry staples go a long way, too.

Subscriptions, coffees, and quick bites. Made a huge difference for me. Just eat your food at home and make your coffee at home.

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