Not all of us are fortunate enough to have jobs that actually pay everything that are necessary AND unnecessary. Sadly, there are plenty of people who have to rely on minimum wage and struggle from their day-to-day just to survive on such meagre salaries. Some of us are already struggling even when the pay isn’t necessarily of “minimum wage” level, I can only imagine how hard it is for those who get paid with it.

Actually, scratch that, I CAN imagine it in perfect clarity, now that I think about it. Like everyone else, I didn’t exactly start off with a spectacular job. In fact, for the first couple of years since I graduate, I too struggled to keep myself afloat with financial stuff.

But that is neither here nor there.

Let’s just get to the point.

Keep Housing Costs At Bay

  • Find shared housing if you can
  • Look for “work for rent” options
  • Live in a town that is also an inexpensive area

Consider Transportation Costs

Either you walk or you bike to work, depending on how close it is. If not, then you might have to rely on public transportation. That, or you could carpool with friends. Don’t own a car.

Take Control Of Your Grocery Expenses

  • Menu plan carefully
  • Plan your menu around the week’s upcoming sales
  • Don’t buy so many snacks
  • Cook from scratch
  • Either buy produce on sale or grow your own

Look For Free Or Cheap Entertainment Options

Maybe game at home or at your friends’ place instead of going out to parties and drinking your stress away. It isn’t ideal to buy that much alcohol anyway, if you want to keep your healthcare costs down to a minimum.

Make Your Restaurant Meals At Home

If you want to eat gourmet or restaurant food, then go out to eat them. Make them at home and cook the food yourself. Google up the ingredients and the procedure on how to make them.

Keep The Health Care Costs As Controlled As You Possibly Can

  • Actual ways to minimise healthcare costs
    • Don’t smoke
    • Eat whole foods
    • Get active and stay active
    • Drink a lot of water and stay hydrated
    • Brush your teeth and floss them regularly
    • Get enough sleep
    • Minimise the alcohol consumption

Save Every Month

As much as you can, at least. If you are able to save money then do so. It will help in the long run. And just in case of emergencies, you at least have the backup money to save you.

Get A Side Hustle

Don’t just rely on the job that you have. Get a side-hustle for extra cash if you really can’t afford to quit and get a better job. The added cash will help tremendously.