24. Save $200 per month Renegotiate with other people to pay their share of the bills and have your girlfriend/spouse save money as well

You could get other people involved to help you pay the bills, like get your girlfriend pay somewhat more of the household budget or have her reduce her spending as well so you jointly save more, or convince your (grand)parents to help you somewhat, like help with mortgage, child education costs, rent costs. You could also convince them you drive with their car, so you save on gas or you move in with your parents and give them a monthly pay so you save on rent.

Beg your parents - they will feel a connection to you by letting you use their stuff or by buying you new stuff. The more they buy the less you have to.

Find daily inspiration for making intelligent moves. Im usually inspired by my children. Perhaps youre inspired to make changes by your spouse or even by someone in the community you respect. Maybe its just a personal goal, like an early retirement. Find something that makes you want to make positive changes, then use that person or thing as a constant reminder.

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