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Apart from the "education shouldnt run you into huge debts", "Gig economy and working 70 hours/week should not be normalised", "social life while young is not a

Apart from the "education shouldnt run you into huge debts", "Gig economy and working 70 hours/week should not be normalised", "social life while young is not as important as paying off the racked up debts", and "this is a TikTok experiment, X number of people are watching me live my life" arguments which I'm sure will be discussed heavily, I found the "hacking one's life expenses to see how one can save money to payoff their debts" part interesting. A house/apartment/address comes with a lot of fixed costs - rent/mortgage, insurance, maintenance fees, gas, electricity, sewage, water, internet, Amazon impulse purchases because there is space, furniture, appliances etc. If one doesnt need the address to register themselves as a resident of the city/town/country for legal purposes, mobile home + shared utilities(toilets, laundry, occasional hotel stays) would make an effective temporary hack to save a lot of money.

nuancebydefault 2y ago
In fact most of mentioned expenses are due as well, when living in a car. The biggest exception being Amazon impulse purchases. Maybe there's a hack to avoid them?
- reacharavindh 2y ago
  Yes, they may be due but certainly not to the same extent. Anecdotally, I pay : 1. Water fees - Approx EUR 23/month 2. Electricity - EUR 73/month 3. Trash collection- EUR 40/month 4. Home insurance (and home contents insurance) - EUR 40/month 5. Gas connection- EUR 24/month 6. Home Internet - EUR 70/month 7. Sewage - EUR 12/month 8. Property taxes 9. Window cleaning - EUR 12/2 months. Ofcourse, they’re are all in a way “quality of life” costs. But, if I were to optimise for money, I could imagine living in a motorhome, pay my EUR 42/month gym fees and use the gym daily in addition to other shared utilities and avoid all those micro costs. Everything comes with trade-offs, but it is worthwhile to think about alternative options for alternative priorities.
  - nuancebydefault 2y ago
    From those numbers, I think you did very well already in optimization. In a lot of places rent is more than 1000 euros, so those costs are quite low in comparison. Everything is relative. My late mother used to say 'one can spend a lot, with very little one can get by'.

nuancebydefault 2y ago

In fact most of mentioned expenses are due as well, when living in a car. The biggest exception being Amazon impulse purchases. Maybe there's a hack to avoid them?

reacharavindh 2y ago
Yes, they may be due but certainly not to the same extent. Anecdotally, I pay : 1. Water fees - Approx EUR 23/month 2. Electricity - EUR 73/month 3. Trash collection- EUR 40/month 4. Home insurance (and home contents insurance) - EUR 40/month 5. Gas connection- EUR 24/month 6. Home Internet - EUR 70/month 7. Sewage - EUR 12/month 8. Property taxes 9. Window cleaning - EUR 12/2 months. Ofcourse, they’re are all in a way “quality of life” costs. But, if I were to optimise for money, I could imagine living in a motorhome, pay my EUR 42/month gym fees and use the gym daily in addition to other shared utilities and avoid all those micro costs. Everything comes with trade-offs, but it is worthwhile to think about alternative options for alternative priorities.
- nuancebydefault 2y ago
  From those numbers, I think you did very well already in optimization. In a lot of places rent is more than 1000 euros, so those costs are quite low in comparison. Everything is relative. My late mother used to say 'one can spend a lot, with very little one can get by'.