5:10:45 
2023-10-24 
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1- Reduce your rent. If you are renting an affordable apartment or living space, focus on cutting down on other expenses like your internet costs, your cellphone, and your food costs. Reducing your expenses by $10-$20 a month can add up to more funds in your checking account and a higher income.
2- Bike or walk to work, rather than drive. One of the biggest expenses is likely your car. From the car itself to car maintenance and insurance, it can be a big money suck. When possible, bike to work or to run errands rather than pay to fill up your gas tank and using your car.
3- Avoid eating out. On average, most U.S. households spend 12.9% of their income on food a year. Reduce the amount of money you spend on food by cooking your own meals and only eating out once or twice a year. There are several budget friendly food blogs and books with recipes that take a short amount of time and won't break your budget.
4- Do free leisure activities. Minimize your recreational spending by looking for free activities in your area or city. Go for hikes or walks, attend free street fairs or local events, and take advantage of entertainment that doesn't involve spending money.
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