California E&S Insurance

Bay Area Cost of living for myself. (This is probably laughable or envy to some people) Ok so a person with a family of four inspired me to post this. I am very frugal and don't make a lot of money (never went to college unless you considered Community College with an AA degree) and I will consider myself very low income especially living in one of the most expensive counties in California (San Mateo) I am currently just renting a room in a 3-bedroom house that my friend owns so I am saving a lot of money but not much. I don't have a high paying job but it's enough to take care of myself (no responsibility but myself aka Single) I have been doing this for 7 years since moving from east bay to the peninsula. Rent 1 bedroom: 1,000 (all utilities included) (Some Wonder why it's too low, My Friend that I have known for 20 years is the homeowner and would rather rent it to me than some strangers. We had a deal: I will take care of his two big active dogs German Shepherd and Husky and do most of the house maintenance, cleaning bathrooms, taking out trash etc. for a cheap rent. Medical, Dental and Vision: all paid by my employer with no cost except for co Pay. 401 K Contributions: 275.00 bimonthly Personal Loan: 678.02 (I can't wait for it to be over in September 2029) Thanks Everybody for reminding me that I must pay this soon enough. the amount is just my monthly payment. I do pay more than what I can afford. I don't want to use all my savings to pay my loan and rely on credit cards for assistance if hardship happens. Car Insurance: 58.50 Monthly but I pay every 6 Months for 351.00 (Car is 14 years old) Cricket Wireless: 55 with Free HBO MAX with ads (Good enough for me) Netflix: 17.99 (just because) YouTube Premium: 13.99 (I watch a lot of YouTube) Cinemark Subscription: 12.99 (I go to the movies once a month) Disney Plus: 4.99 (Only because it's a black Friday deal and will cancel it this coming black Friday) Monthly Savings: 300 (I always make sure to put this amount aside for rainy days) sometimes I will add a hundred or two and I get my employer bonuses 3 times a year to be included with this savings. Money leftovers after bills are: 648.74 (used for Gas, Groceries and others) I rarely spend money on take outs and I use my Costco Credit Cards for purchases, and I pay it all in full at the end of the month. The whole amount miraculously is enough for me. As i mentioned that I am very Frugal. UPDATE: Thanks for the love and support and for those who gave me advice on how to even cut down on some of my monthly costs. Some of the comments are really hurtful and cruel but that's social media haha. to clear up some of the questionable comments: What's your gross income? \-if you look at my break down expenses it's really easy to figure out. OP is living like a slave to the homeowner in exchange for cheap rent. \-I have a full-time job and my chores at home are done when I can and when I want. My landlord never bosses me around. AA is still a degree have some pride. \-unfortunately, It's still less superior than Bachelors and that's just the reality. Of course, I'm proud to have an AA degree. I still keep my diploma and have it framed ha-ha. Get out of the bay area and find living somewhere else. you are just working to survive. \-Nah I'm happy here in the Bay Area but I would like to visit other cities. Consider looking for a High paying job. \-I was making a stressful high paying job prior to moving to the peninsula. If I have a family to support, I will definitely not put myself in a situation I'm in but since I'm only taking care of myself and I'm my own responsibility, I'm ok right now.

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