tbh I don't understand needing elaborate 150IQ finance moves. After you've made a budget, with some money put aside for savings, stick to it. If you can't make a budget, you need to either lower your cost of living or increase your income.
That said, I did go uber broke having to live on NEETbux while financing a mortgage. I wasn't able to work, but I wasn't willing to give up my house.
-If you're behind in debt on utilities, make at least a small weekly payment on each debt and contact them with your intentions. They'll be less likely to threaten disconnection if you do this.
-You can actually miss a lot of mortgage payments before they clamp down on you. Banks love it when people get slightly behind because they make more on interest. This is very country specific though.
-Foodbanks and soup kitchens, use them, every week.
-If you're really desperate you can steal toilet paper, paper towels and soap from the public toilets
-Clothes shopping at Op-shops/second hand stores. Go each week and snavel the good deals on pants, shirts and jackets when they appear. Buy bulk underwear and socks from your version of walmart
-Go around bare feet more often. Shoes wear out and cost money, if you're a NEET you don't need shoes. Only wear your shoes if you have an appointment somewhere.
-For food, buy a 10kg bag of rice, onions, cheap vegetables and 2kg of meat, 2kg of meat will last a week. Go to the butchers for a bulk deal on weekly meat, tell them your intentions to save money and that you could consistently take whatever meat they want to offload on a certain date for a deal. If it's a large amount, if it's borderline offal, they'll be willing to do it.
-Disconnect the hot water cylinder and have cold showers.
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