Mel Abraham says housing, transportation, and food eat up 60-70% of what you spend. Before 2026, renegotiate those big costs plus internet, phone, insurance, and subscriptions. Small cuts add up.
60 to 70%
December 12, 2025
Housing, transportation, food can make up 60 to 70% of where our money disappears. They disappear faster than like socks in a dryer. But this is the thing that we need to think about. I want you to look at it, I want you to see, are there places I can cut? Are there places that I can change? Some things are the things that we can do differently with these big three expenses. Now, we're not going to leave everything else off the table here. We're still going to look at the other expenses. But this is where we start to look at the other expenses through a set of eyes. Where the second thing here is to renegotiate everything. Now, I think everything's negotiable. So things like your Internet, your phone, your insurance, your subscriptions, are we using them? Are we getting value out of them? This is the time to sit back and look at what we did, because all of a sudden, lifestyle creep over the year catches us. But this is the time to set ourselves up for success in 2026in the fall in the coming year.
