| How would you know I haven't really considered the alternatives to living cheaper? I don't have a yard to grow vegetables. We live in an apartment. When we lived in Portland, we had a yard to grow vegetables but our monthly water bill was prohibitively expensive (we're talking hundreds of dollars every 3 months). Costco has a yearly membership fee, which I think at a minimum, is up to $75/year. I work full time and my wife is in school full time in another city. We have 2 children (I have 4 altogether) who are school age. How the fuck am I supposed to make bread and pasta? Our rent is just shy of $1400/month. Buying solar panels? What do solar panels cost nowadays and how much is installation? I can't install solar panels in my apartment. I don't have a car payment because our only car is paid off. Except for student loans, we are debt free. Edited to add: The other huge expense for us now is healthcare. The cost of healthcare for a family of 4 is astronomical. |
Costco does have a membership fee which (I think you're right) is $75 a year, but you get an annual dividend out of that membership depending on how much you spend there. Over the course of your annual membership, it's easy to save way more than the $75 you spend between the dividend and because the cost per unit of goods are much cheaper for many things.
Solar panels can be expensive, it's a good idea to keep your eye on sales, flyers and auction sites to get great deals and only buy when you find a good deal. I have no idea how much installation would be where you live. Me and my father-in-law are both pretty handy and Google pretty much tells us everything we need to do to install them. All you need is an inspector. With Google you can pretty much do anything you can imagine with a bit of ingenuity.
Having an apartment is limiting, for sure. But even growing some produce in the window will save some money.
Making bread and pasta is easy: Flour, salt, eggs, water, yeast will see you through both. Having some basic ingredients in the house will take you a long way to being able to make whatever you want without having to pay retail for it, and it's thoroughly satisfying. Again, Google is your friend.
Congrats being debt free. That is a tough thing for many/most people to be able to say in today's economy.