If you have memberships that you need in services, pay in bulk at a discount. Make a real budget of essential needs, and add a thing or two that you might enjoy and it is not essential

Target a specific time long and mid term

It has worked for me

I don’t eat out

Carnivore 100 percent buy grass fed meat in bulk at a discount

And drink water and salt

The rest of services are paid in bulk

Everything else is stacked in sats