In Episode 49, we’re diving into a topic everyone can benefit from: how to lower your expenses intentionally, consistently, and without feeling deprived.
Just like a good haircut, trimming your spending works best when it’s done regularly. Andrew and Ryan walk through smart, practical, and realistic ways to save money across the major categories that impact your budget most:
💰 What We Cover in This Episode:
🏠 Housing
▪️Ways to negotiate rent
▪️When refinancing makes sense
▪️How to evaluate moving, downsizing, or adding a roommate
🛒 Food & Household Essentials
▪️Bulk buying strategies
▪️Saving big with digital coupons & loyalty programs
▪️Batch cooking & reducing impulse purchases
🚗 Transportation
▪️What to consider when car shopping
▪️How to lower auto insurance costs
▪️Fuel-saving hacks and maintenance tips
⚡ Energy & Utilities
▪️Thermostat settings that actually save money
▪️Weatherproofing your home
▪️Small changes that reduce your monthly bills
🩺 Healthcare
▪️Comparing cost of care
▪️Saving on prescriptions
▪️Using HSAs/FSAs effectively
🏦 Banking & Credit Cards
▪️Avoiding hidden fees
▪️Smart use of alerts, rewards programs & autopay
▪️Improving your credit without extra effort
🎯 Plus: rapid-fire savings tips for subscriptions, clothing, libraries, warranties, and more.
If you’re looking for practical ways to free up cash—without overhauling your lifestyle—this episode is for you.
👉 Listen to “Your Bread & Butter” anywhere you get your podcasts!
🌐 Learn more: www.PrivateFinancialDesign.com