The 2020s have already proven to be years of financial struggle for many. With inflation at 7.7% and mortgage interest rates at 7.63% currently, it’s not hard to see why so many of us are feeling the squeeze of tighter budgets and increased debt. I’ve looked at dozens of blog posts, articles, YouTube videos, TikToks, and more for what we can do right now to make a measurable impact on our finances. And honestly? I found a lot of the content only capturing the low hanging fruit (i.e. stop eating out, buy cheaper stuff, look for better bargains). But is that really going to help you lower your cost of living and start saving money right now?
The answer: probably not – unless you eat out for every single meal or have a luxury goods habit. My goals is to show you what I would personally do (and have done) to lower your cost of living. I have loads of posts on how to save money and be frugal and I’ll link those throughout this post – but think of those as extra credit 🙂
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