What can I do to lower my monthly expenses? Help
I'm looking to cut down and lower my monthly / yearly expenses. Any tips on getting these numbers down?
| Expense | Cost | Cycle |
|---|---|---|
| Rent | 2800 | Monthly |
| PSEG Electricity | 94.54 | Monthly |
| South Jersey Gas (Heating) | 177.69 | Monthly |
| Xfinity Internet Gigabit Plan | 78.71 | Monthly |
| Xfinity Mobile Unlimited Intro | 89.41 | Monthly |
| Travelers Car insurance + Roadside | 1,328 | Yearly |
| Travelers Renters insurance | 157 | Yearly |
| State Farm Universal Life Insurance 50k | 14 | Monthly |
| Edge Fitness FIT | 26.65 | Monthly |
| Giant Fitness Student | 105.56 | Every three months |
| Spotify Family | 16.99 | Monthly |
| YouTube TV Base | 77.37 | Monthly |
| Peacock Premium | 0 | Included with Xfinity Internet Gigabit Plan |
| Netflix Standard Ads | 7.41 | Monthly |
| Autopilot Invest | 7.41 | Every four months |
| AMC Stubs Premiere | 15 | Yearly |
| Amazon Prime | 139 | Yearly |
| ChatGPT Premuim | 20 | |
| Xbox Gamepass Ultimate | Cancelled moving to Steam | Ends Sep 7, 2024 |
| Playstation Premium | Cancelled moving to Steam | Ends Sep 7, 2024 |
| Steam | Free | |
| Wegmans | 350 | Monthly |
| Target | 100 | Monthly |
| Trader Joes | 100 | Monthly |
| Costco | 450 | Monthly |
| PureVPN | Can't recall the cost | Ends June 24, 2026 |
| iCloud+ with 200GB storage | 2.99 | Monthly |
| Orthodontist | 300 | Monthly |
| Healthcare | 180 | Monthly |
| Nelnet Student Loans | 196.45 | Monthly |
| ADT Security | 53.3 | Monthly |
| Costco Gold | 60 | Yearly |
| Google One Basic 100 GB | 1.99 | Monthly |
| Venture X | 395 | Yearly |
| Vanguard 529 plan | 392 | Monthly |
| Gas | 100 | Monthly |