I mainly go camping and hiking. The biggest cost here is replacing my trail runners every 6 months. I'll usually buy a couple of pairs when they go on sale when the new version comes out. I'm still using my original sleeping bag. My inflatable pad is still good. I have warrantied my tent fly once, so I'll probably have to replace it soon. I'm looking at new tents. Camping equipment lasts a long time.
I go to Disney parks when new rides come out.
Disneyland was on my list for last year, but I had to cancel. I don't go every year.
I typically own my vehicles for ten years. The last one lasted me 12. I usually go with a 4 year note at the lowest interest rate.
We cohabitate to keep our taxes down. My significant other received stimulus. I did not. We both can itemize when filing single. Together we would be cap out at the $25k standard deduction. Instead, we end up claiming close to double that in deductions. She is also in a lower tax bracket. Once we marry, we'll lose about $15k in deductions, and she will jump a tax bracket. We plan to get married soon, so that we can knock out the 10 years required for survivor benefits with social security. We saw even more benefits cohabitating before the last tax cut. By maxing my HSA and my 401k, I can also lower my self a full tax bracket with my current itemized deductions, which is a big deal since I move from the 32% bracket to the 24% bracket.
We don't tithe.
We don't get oil changes every 3000 thousand miles. We follow vehicle recommendations. I also get conventional oil. I see no benefit paying up for synthetic.
We get our gas at Costco.
We don't own bonds that pay less than our mortgage rate.
We tax loss harvest during equity downturns.
We use the camelizer app to see price watches for items we want to buy at
Amazon.