You can easily get furniture and many appliances for free, at least around Germany. People will put old but functional things on the street for the truck, and i

You can easily get furniture and many appliances for free, at least around Germany. People will put old but functional things on the street for the truck, and if you're fast you can get some good stuff. Also, there are internet sources where people post what they want to get rid of. And how much do you really need anyway? At this point, if I needed something specific, I'd just put up a poster, a neighbour probably has it in their basement and wonders how to get rid of it. I'm on ~7000€ a year, and that includes health insurance, replacement of broken cheaper things (spare parts for the bike, clothes..) and also the occasional splurge like cinema or eating out. A car would not be possible, but if I need one I can either ask a friend or rent. A car is a liability in most European cities too. I could go down some in expense if I needed to, but then it would be less comfortable. You can track your cash flow for a year and see for yourself where your money goes and what is essential.