forum

It depends on what your main expenses are. As winter is coming, be mindful of gas, energy and water consumption to keep utility bills in check. Consider switching to energy-efficient appliances and light bulbs and look into utility provider deals to save on gas and electricity. Or you can simply find a serviced apartment with all bills included to save the hassle. 

The bill definitely is one of the major expenses; I always try not to use the heater that often to reduce the bill. 

Also, you can cook and eat at home rather than going out or ordering takeout. 

Take advantage of free venues like museums, parks, and galleries; find free or low-cost social activities, such as local community events or meetup groups can help you cut down your entertainment expenses.