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[quote=Anonymous][quote=Anonymous]I’m really beginning to feel the financial pressure, and I could use some fresh ideas or perspective. Earlier this year, I made some cuts to our spending, but I’m at the point where there’s nothing left to trim that feels feasible or impactful. I’ve been dipping into savings every month just to cover our basic bills, and while I’m grateful I have some savings, I really don’t want to keep draining them, especially since I’m not currently able to replenish anything.

To make things tighter, I just got a notice from our mortgage company that our escrow is increasing by $50/month. That doesn’t sound like a lot, but when everything is already squeezed, it feels huge.

Some context: I already bake treats at home and we stopped buying most convenience foods. We eat at home almost all the time, maybe 1-2 meals out per month, and often that’s just pizza. We’ve cut streaming and subscriptions down to just Amazon Prime. No vacations, no big shopping splurges, no new clothes unless truly needed. I do have a raise coming in January, but it's modest and won’t solve this problem on its own.

Has anyone else been in this position and found something that helped shift things? I’m open to creative suggestions, whether it’s ways to temporarily ease the squeeze, things I might not have thought to cut or change, or even ways to bring in a little extra income. I’d appreciate any practical insight.[/quote]

got divorced, saved a ton of money after getting rid of x-wife. [/quote]

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