All great advice, some amazingly good budgeting skills here.

I just wanted to add a really important note to take care of yourself. Try to avoid falling into the trap of feeling "poor" because it's a dark hole to wake up in and is difficult to climb out.

It can be really hard to go from well off to struggling because you don't recognise yourself and you don't feel comfortable in your shoes. It's not just about not having spending money, it's about waking up in someone else's life, not knowing how you got there.

Did you know that the majority of billionaires are totally tight with their budgets and know every cent they spent and where it went. So just keep that in mind next time you're trying to save a dollar. You're in the company of billionaires.

I hope no one's offended. There's nothing wrong with not having much money, as long as it doesn't hurt your psyche and that's all I'm trying to help you with.