We do everything we can to simply not need much money for our life. Because I am old and remarried and he isn’t content to live on a couple of acres in an old schoolbus, we have expenses. We live on about $1000 a month – when I’m not spending extra on supplies to put aside for future or things like storage jars.
The only things that have really made us cringe are:
car and home insurance (they just keep going up by hundreds a year)
natural gas (we now heat our home with wood from downed trees in the neighborhood)
water bill (we’re on the lowest usage tier but the city added $20 for sewer and now we pay more than we ever have)
The main thing is that we don’t buy anything, really. And we enroll in all programs to help seniors: property tax refund cuts my bill in half, internet is half, VoIP phone is reliant on electricity and internet but it’s less than $20 a month. We have no TV, no cell phones.
And still, the bills are 3/4 of what we spend.
Plus we decided in 2020 to start living more like pioneers or hunter-gatherers or mountain people. We forage, make our own medicines, eat almost no packaged foods (I never did really anyway), eat very little grain, have laying hens, barter for venison. My husband does all the fixing and building and I do all the sewing and food preservation (including poultry butchering) and fixing things that don’t require heavy lifting.
I can’t say I do a lot of things to beat inflation other than switching to wood heat because I’ve always lived so simply: hang my laundry, do one load a week, eat simply, no magazines, use the library, darn socks, mend clothes, tarps, etc.
We do barter and use a couple of local buy and sell groups and that’s been great.