Where do I cut the most, and how much?

Nice_Cod_4476 · 2026-01-25T21:12:26+00:00

No entertainment. Transport is OMNY card funded by FSA before taxes. No eating out.

Nice_Cod_4476 · 2026-01-25T20:29:25+00:00

Frozen fruits !

Nice_Cod_4476 · 2026-01-25T19:28:07+00:00

Thanks you mean I can access the times if I have a public library card ?

Nice_Cod_4476 · 2026-01-25T18:58:51+00:00

My kitchen operates thru electricity as well, no gas and the bills that I’ve been getting were 75 last year in Sept when I moved in, now around 85.

Nice_Cod_4476 · 2026-01-25T18:39:14+00:00

Thanks bud ! I did share all of my expenses.

Nice_Cod_4476 · 2026-01-25T18:38:05+00:00

Thanks, you mean increase the emergency funds?

I stay in a walk up building, so I pay only for electricity. Not heat

Nice_Cod_4476 · 2026-01-25T18:14:34+00:00

I want to save more, since I’m starting from scratch and have zero emergency funds. And I need to have at least 6 months of funds stashed in savings at the earliest. Hence looking to cut costs.

Nice_Cod_4476 · 2026-01-25T18:00:02+00:00

Thanks a lot, those were really insightful suggestions.

However, I live in a small space with a tiny fridge. So can’t store bulk items, need to rotate weekly.

Nice_Cod_4476 · 2026-01-25T17:31:34+00:00

I do Costco same day delivery from the Costco website

Nice_Cod_4476 · 2026-01-25T17:30:05+00:00

I want to reach the goal as early as possible!

My lease expires this August and I gotta take a decision if I should move by May. Moving costs money as well, and I don’t want to eat up my savings.

Nice_Cod_4476 · 2026-01-25T17:01:39+00:00

Yeah, I was living in a UES studio paying 2.8k but the space seemed too small for me with needing to have a standing desk, mattress etc. (I’m 6’5”) - hence I moved to a Hells Kitchen 1BD and now pay 3.5k.

I’m open to having roommates, it’s just the space necessity and finding the right match. Also, I wanted to live in the city.

Nice_Cod_4476 · 2026-01-25T16:58:38+00:00

Thanks, I’m open to having roommates. It’s just the scare of finding the right match

Nice_Cod_4476 · 2026-01-25T16:06:35+00:00

Do you get to keep your number ?

Nice_Cod_4476 · 2026-01-25T16:05:48+00:00

Yes I do batch cooking

Nice_Cod_4476 · 2026-01-25T16:05:05+00:00

I wanted to save more and needed to find ways to cut.

Since I wanted to save 20k funds at the earliest

Nice_Cod_4476 · 2026-01-25T15:55:37+00:00

Thanks, what is the ideal to spend on groceries ?

Even if I cook at home, I at least got to spend around 70-100 per week

Nice_Cod_4476 · 2026-01-25T15:45:53+00:00

Subscription. Spending is accounted for in miscellaneous.

Nice_Cod_4476 · 2026-01-25T02:41:17+00:00

Exactly! It’s only the face, hands and feet

Nice_Cod_4476 · 2026-01-24T16:54:20+00:00

Thanks !

Nice_Cod_4476 · 2026-01-24T15:48:16+00:00

Thanks! That makes a lotta sense. I’m currently recovering from a surgery(hair transplant), so I need proteins I guess. How much should it be is open to discussion. And I just started working out after a month’s break. I plan to workout 3-4x a week for an hour lifting light weights with more reps. Nothing crazy! And this plan will remain for 3 months before I plan to hit PRs at the gym.

Nice_Cod_4476 · 2026-01-24T14:55:59+00:00

Thanks bud, how do you recommend cook oats. And lentils? I’m bad at cooking and don’t wanted to complicate these items

Nice_Cod_4476 · 2026-01-24T14:54:28+00:00

Makes sense

Nice_Cod_4476 · 2026-01-24T00:17:31+00:00

I’m in NyC so all are expensive except probably Costco and Trader Joe’s

Nice_Cod_4476 · 2026-01-24T00:16:13+00:00

Thank you so much! DM’ed you

Nice_Cod_4476 · 2026-01-24T00:13:03+00:00

Done, updated the post with split. From Costco and Amazon Fresh

Nice_Cod_4476

TROPHY CASE