It ain’t pretty, but here’s how I got through it until I started bringing in good money:

1. No takeout or eating out ever
2. Get a water filter pitcher and a nice water bottle. Drink only water.
3. Every paycheck, take out $200 or whatever you can afford. This is your “fun and gas” money. Your gas, hobbies, social life, and dating comes out of this fund. Whatever is leftover when your next paycheck hits goes into savings.
4. If you can rent a physically smaller place, do so. It will save on utilities.
5. Don’t buy a car unless public transportation or biking is not viable in your area.
6. Meal plan with the goal of zero food waste. So if you plan to buy an onion and will use half of it in one meal, make sure you have another meal planned that week that uses the other half. Do this with every ingredient. If you’re careful and creative you should never have to throw away food. - On this note, get good at cooking. It’s much cheaper to cook from scratch.
7. Cancel your streaming services and learn to pirate safely.

This works but isn’t a great way to live. You need to combine it with a plan to either make more money or relocate to a cheaper area while maintaining your current income.

I realized that paying rent was like throwing money into a bottomless pit. Obviously buying a house was out of the question so I bought a used RV and moved into that. I added solar panels and all the VanLife type stuff and now my biggest expense is for the storage unit I put all my stuff in. No more rent, no power, water or most other bills. StarLink is expensive but with all the other expenses eliminated it’s not bad at all.

Going to be USA centric because I don’t need you doxxing yourself, just giving you ideas of what to look for where ever you happen to be.

If you’ve got solid internet access and enough work/life stability that you can start doing research into any government assistance programs and community groups that help navigate the processes that are in the area.

I live in the USA, and my partner and I finally got poor enough that we could get enrolled in Medicaid (Medicare is for the old folks). Partner found that the Medicaid would pay for a pretty serious surgery they’d kinda been needing for years (the final price that the government paid was a bit more than $30,000).

Back when I spent more time in Reddit, there was a post on in r/AntiWork about some USA government assistance in paying for internet (and possibly a cheap smart phone). I looked into it, found we qualified, and the process wasn’t too hard to navigate on my own.

There is a program called LIHEAP (i think that’s the name) that is assistance in paying for energy bills. We didn’t qualify for it last year when I looked into it but my good paying job last year was temporary and now I’m in a job making about 600~800 less as a part-time but permanent employee. I should probably find the website and see if we’re poor(er) enough to qualify for some help paying for electric bills.

Food stamps (WIC, SNAP) for assistance buying groceries. This one can get weird as they tend to be run state by state in the USA and the requirements can often times be super shitty. If you’ve got a stable job, even if its shitty, that might make things easier.

Look around for local food pantries and see how they work. Don’t be surprised if they’re run by churches and you’ve got to sit through a sermon before you get a bag of groceries. You might get lucky and the pantry is funded by a grant and needs part time workers they will be willing to kick a bit of paid work you’re way (assuming you have the time).

Its desperation money, but there is Amazon’s Mechanical Turk program. Piecemeal work online or doing survey’s for a few cents a pop. It can help buy a tank of gas or replace a cheap busted cell phone but I’ve never made much more than that when I spent a whole lot of time on it. When my anxiety about money gets really bad and I need to put the energy somewhere I’ll fire up my account. I’m pretty sure this has an international reach so it won’t be geo blocked. FYI, it doesn’t play will with VPN’s.

I’ve tried a few “do consumer survey’s online for money” websites and the only one that I ever had any “success” with was called InboxDollars. And by success, I mean that a few times over the years, I could spend many hours during a month and scrape together about 30$. Though I think its a USA based company and its geo locked. FYI, it doesn’t play well with VPN’s.

During the pandemic in the USA, i spent most of the time without work of my own (I live on a working farm with my spouse so one of us had an income) and spent about 18 months out the first three years of the COVID pandemic selling blood plasma. If you’ve got two days a week that you can spend hooked up to a machine that drains your blood, separates it, and pumps in back into you (and leaves you feeling pretty crappy for the rest of the day) and can handle lying pretty still with a huge needle in your arm, the pay was kinda okay. I’d get kicked in the summer months when it got too hot for my body to recover well enough between visits but I also have to do outside farm work that you might not need to do. If you do this regularly, it does leave some pretty gnarly scars in your elbow pits, which can lead to some amusingly random conversations with strangers in public.

In the USA, its seems like the US Post Office doesn’t like to post their open jobs outside of their internal job posting database. Though it seems like USPS jobs are either “work crazy hours, where ever we tell you” or “barely work any hours”.

I spent about a year and a half working at a University museum as a museum curation lab technician, no experience needed, didn’t have to be a student or plan on going into the field. Which, maybe it was just me being lucky, but it was a pretty sweet job. Flexible hours, chill work environment, chill coworkers, surprisingly decent pay, got to play with old arrow heads and spear points and pottery sherds and sort through boxes and do paperwork about what was in them… the two negatives were that in my case what I found was a temp job and I spent an whole lot of time alone without human interaction (which I’m super cool with, but not everybody else is). This is another one of those things that probably won’t be posted on public job search websites so you’re going to have to dig around local university/colleges with museum collections and find their internal job posting site.

So yeah, I know in my mind taking advantage of assistance programs feels “wrong” but I’ve had to start getting over it and the things that I’ve managed to figure out how to apply to and qualify for have definitely been worth it.

Something had gotta break soon. Right? Right? How can this go on like this. I look around and how is not everyone collapsing?

Ask for a raise. Find another job.

Keep a separate savings account. This won’t increase your income but it’s absolutely vital that you do this. I fully understand that you don’t have money for this, but here’s the idea: if you’re already broke at the end of the month, then what difference does it make if you’re broke one day earlier every month? Let’s say you have a payout of €3000 monthly. That means you have €100 for each day of the month. Put €100 in a savings account and you’ll go broke 1 day earlier, but you now have €100 saved for unexpected shit. Keep it up for a some months and you’ll have enough saved to deal with moving/changing jobs etc. Eventually you’ll adjust your expenses so you don’t get broke even if you set the money aside. You can figure this out. This is how my wife and I saved up for our marriage. By going voluntary broke before it actually happened.

Okay, once you have some “financial security” saved up, do you have a budget account? Keep a budget account so you don’t overspend. Only transfer the excess to your spending account, so you don’t spend money that was supposed to pay for the rent/electricity/internet/food. Whatever is in excess is safe to spend.

If this is not possible, then your financial life isn’t sustainable. Ask for a raise. Find a different job.

If you can, move back in with your parents

A lot of the good answers are already posted. I’ll share my experience.

A bunch of people I know, including myself, rose out of retail hell through customer service jobs. My first one was making $55k/year (in 2023 dollars. This was a while ago because I’m old) and jumped decently after a year. Plus it was steady work at a desk with insurance. I switched to another company doing the same kind of thing after a year or two, and was able to transfer internally to IT. A couple years later I made the leap to engineering. I don’t have a computer science degree. It was all experience and teaching myself.

A bunch of other friends took similar paths, and now have higher paying jobs.

But this was in new york city, where there are a lot of startups looking to hire people. And because the companies were small, the jobs weren’t a cubicle hell where you read from a script. I got to actually help people troubleshoot when I was doing IT. That first job I could just talk to people like people.

I don’t know how different it is now or in other parts of the country. I’m not sure how much the pandemic and AI hype has changed the market. But getting a first foot in the door is really helpful. You can meet people and get on the job experience.

A lot of job listings might require a college degree, but enough experience can be a substitute. Also knowing people helps a stupid, unfair, amount.

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I honestly just take as much care of myself as I can afford and hope for the best.

Do you have roommates? If not that is rather expected as a single guy with no family. Check you budgets but if you’re working a mcjob, likely will not see any real future. Mcjobs are for kids or those that just want some spare cash or don’t need the ‘responsible’ type of job. Job shop as many say here. Just do it. Keep in mind that real career type jobs that can eventually pay higher require you to take a real investment in what you want to do. Pick something that fits you in other words.

Sorry if it is kind of tough love advice. Most other posts have covered your typical suggestions but ultimately it comes down to solely the direction and effort you take.

To echo what some people have said, if you haven’t changed jobs in the last year or two; you absolutely should do so.

As you’ve realized, there’s only so much you can do on the cost side to have things balance. Cost of living has risen relentlessly, but thankfully in many areas wages are finally growing too, and new hires usually get the higher rates.

So not changing jobs frequently, especially in the industries you mentioned, is just leaving money on the table.

Aside from that, definitely look into trades, but also look into local government, healthcare (like being a patient scheduler at a hospital), really any industry you are looking to break into as a career.

They really need the help now, especially for entry level positions, and if you do a good job, you could parlay that into a career in an industry you’re excited about.

So spend like 30 minutes each day looking for jobs, and don’t stop until you’re hired. Remember, even if you end up hating it, you can always quit and get rehired immediately in industries you’re more familiar with, because they also desperately need help too.

I used to go over to my friends and they would feed me. They weren’t much better off than me but they could afford to get some extra ramen and KD.

What’s your social network look like, OP? For people in your situation, your friends and family will have to be your safety net. Shared resources can also bring expenses down.

I crash at my friend’s house.

This isn’t your situation, but this is how we did it while living very paycheck to paycheck. Plan and budget. We had a plan for everything. It hurt, but we planned our store trips, our meals were the sales and manager specials. We knew how much gas we were buying and which kid had birthdays and gifts to buy for, and we shopped ebay gift cards and scrapped by. We also made hard decisions, and it sucked. We cut cable, and other non essentials, we almost never went out. We were able to plan a path out, we refinanced our house, by taking a title loan on my car. We consolidated our cc debt.

What I’m trying to say is, you find a way. Maybe you can work towards a promotion, or a new career. Or find a different living situation which would be cheaper to help sort it out. Try not to lose hope, try to find a path to prosper. I’m pulling for you.