I just create an annual budget of what I'm willing to pay for "luxury" services. I also try to share services I have with friends who have other services. Pare

I just create an annual budget of what I'm willing to pay for "luxury" services. I also try to share services I have with friends who have other services. Parents have Netflix they share with me, and I have Amazon Prime that I share with them. I have HBO Max that I share with a friend who shares back his Disney+. My boyfriend has Spotify Family, and I share my Amazon Prime login with him. Everyone here benefits out of this. So that gives me five services (Netflix, Amazon Prime, HBO Max, Disney+, and Spotify) for the cost of only two (Amazon Prime and HBO Max). To keep things from going wild, we don't share the passwords, we log into the accounts for each other. This prevents anyone from sharing the account login and effectively locking the account owner out from being able to use the service. I'm well aware that sharing the services is a violation of the TOS, but people do it regardless and everyone knows that's what people do. I also cut my phone bill down to $24-30/mo by dumping unlimited data and just paying for what I use (typically 200-300MB). Wifi is everywhere, I'm not a social media addict, and when I'm not around wifi, it's usually because I'm shopping, with friends, or driving. Unlimited data is nice, but I found it so easy to cut away from.