sorry its a little long
Ok due to calls for more lifestyle info. Yes I cook everything from scratch breakfast lunch and dinner. I don’t buy canned beans I buy dried beans and freeze what I don’t use right away. Rice is a pretty good filler in just about everything. If you need to eat but don’t feel like a fuss or have anything special in mind, ramen noodles it is. You probably think I spend a lot of time cooking but I don’t, I cook for a week at a time usually on Sundays. You want an inexpensive breakfast a half gallon of milk a couple cups of rice (sugar and vanilla to taste) will give you a very inexpensive rice pudding for breakfast for the whole week (beats 2 bucks for a box of generic cereal that’s full of preservatives that wont even last a week plus the whole gallon of milk). One of the reasons I was able to live so cheaply for so long is because I knew I could never afford rent at an apartment so I moved into a trailer park into a trailer that was only a few years younger than I was. It was small but it had 2 bedrooms (I used the second bedroom as an office/workshop/storeroom) and I didn’t share walls with anybody and I had a little bit of yard space that allowed me to have a vegetable garden every year and at times I even kept a few rabbits for meat. I got into credit card trouble between the ages of 18 – 22 (I’m 31 now) and I went to Consumer Credit Counseling Service and cut up my cards on the spot and spent the next 3 years paying off the cards. Lesson learned, I haven’t had a card since I was 22 and my life has been better for it I believe because I never had the option of just slapping down plastic, it forced me to either think of alternatives or do without whether I liked it or not as a consequence I’ve never found myself accidentally in credit card debt and have truly learned how important it is to have money put away into savings. Cars, buy from the 70’s if you can and are willing to do some maintenance (super beetles are still cool, are reasonably priced and don’t get to horrible gas mileage, trucks can be had inexpensively and are very easy to work on but not recommended if you drive a lot.) as I said before I lived with my 100$ 69 ford F-100 for about 3 years before I finally gave up on it. I splurged and got a brand new 04 Hyundai Accent base, air conditioning was the only option I got on it (I still lived in the trailer park and was making over 50k a year). The payment and insurance is inexpensive it gets excellent fuel mileage and has a 100k mile warranty. I can’t remember who said it but they said a smart person learns from there mistakes but a wise person learns from the mistakes of others and that is my recommendation, you see the mistakes that your friends are making, you see the mistakes people in the community make, learn from them. It doesn’t benefit you in any way to mess up the same way that others have.