I haven’t had a chance to read all..but make your own cleaning products, shop clearances, thrift stores, garage sale, facebook marketplace or offer up before buying brand new. Use coupons. Use receipt apps to collect points and earn cash or gift cards. Do surveys or programs like this. Join a Freecycle or pay it forward fb group. You can give and get items for free. Do exchanges with your neighbors or friends. Trade work..cooking for babysitting etc. Email companies for coupons or join their emails lists. Meal plan. I use my credit card to pay bills, but make the payment right away. I have a few hundred dollars saved up on points to use for Christmas. DO research before buying big purchases. Visit the library for free books and to rent free dvds. Check out your local area for free or cheap events. Plant a garden or at least 2 or 3 of your favorite veggies. Repurpose items..old shirts can be used as cleaning rags, glass jars as food containers etc.