I pay by cash back credit card which I have set to pay in full every month. Its not huge but conservatively, I save between $500 and $1000 per year that way.
I also only get YouTube TV for 4 months a year during college football season. You don't need cable TV the rest of the year. Between Youtube/Rumble and what I download from torrents sites, you are spoiled for choice as is.
I not only don't get take out. I very rarely eat at restaurants at all. I like to cook. Its healthier anyway.
I switched my data plan for my phone from AT&T ($82 per month) to Charter ($27 per month) for the same unlimited plan. I have never noticed the slightest difference in quality. The $55 in savings per month is nice.
That I've listed above is a savings of at least a few thousand per year. Not earth shattering, but its nice and it doesn't lower my standard of living in any way.
“download from torrents sites”
I only get old movies there. No VPN needed. The studios don’t care about those old movies anymore. Such as Dr Zhivago. Peak luminous Julie Christie......
https://www.dailymail.co.uk/tvshowbiz/article-13658505/Julie-Christie-husband-Duncan-Campbell-Donald-Sutherlands-death-controversial-debate-sex.html