Apart from big, one-time expenditures, or perhaps expensive “habits” like collecting shoes or smoking cigars, a large portion of the population ends up spending the majority of their income on essentials. This includes expenses like housing, utilities, food, professional certifications, cleaning products, toothpaste, and the list can go on and on. We often don’t stop to think about how to lower this base cost of living, usually overlooking that option and going straight to hacking off the things that give us pleasure, like golfing, traveling, or dressing like a fashionista. There are ways, however, in which you can lower your...