Originally Posted by
crashdive123
Welcome.
If you are paying more than 50% of your income for housing and living expenses you are paying too much. You either need to cut your expenses (I know that is your plan, but more on that below) or increase your income.
Not sure of the housing costs in your area, but renting may not be the best option. Buying and putting in some sweat equity might work for you.
Reducing costs needs to start with a budget......every penny. You need to know exactly where your money is going in order to figure out how to cut costs. You said electric was high. Does your utility company do free energy audits (many do). If so, you can find ways to reduce your electric bills. Evaluate everything. Insurance, cell phone plan, cable/sattelite plans, etc. Eat out or in? These questions are why a budget is important.
What you are proposing is not reducing your expenses, it is purposely becoming homeless. Additionally, your proposal involves potentially illegal activity (I said potentially). There are a lot of people here that can offer you advice on specifics, but nobody will help you do anything illegal.
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