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I've never had bank fees in my life. You need to cut that out and save the almost $400. The basic bank plans only require $2k in your account, and the premium plans require $5k. That premium account also includes a premium cc most of the time so it balances out. My premium bank account fee is $30/m which you are still pay more than.
If you can cut out the nicotine and weed that's another $1400.
Also do you not drink? It not kudos. I think I go through about $350 worth of alcohol a year.
My life insurance isn't that high and I'm significantly older. If you can kick the smoking habit, see if you can get it reassessed. I have both full life and also term insurance. Unless your full life is a very high amount.
Even if you eat well at home, it's still going to come down to being much cheaper than eating out. Healthier too. Alternative would be using services like fresh prep or whatever to cut down on time spent shopping, but your cost would likely to much closer to eating out, but probably healthier still.
Eating out is coming in at around at least $20 per meal if you aren't absolutely scraping the bottom of the barrel doing coupons at subway or whatever.
Fresh Prep - it's the best one out of the three we used, but also the most expensive. You are looking at around $15 a meal depending on promotions and bulk order discounts.
Buying your own and cooking would be around $10 a meal average, more or less dependant on how extravagant you are.
Are you making more or less with the new job?
I would not cut out trackdays completely. But instead of 5, do 2? I only do Mission once a year, of course I want to do more, but between time and financial commitments, 1 makes sense for me.
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