Asklemmy

In the US, if you're a first time homebuyer you can buy a home with zero cash in hand. You can roll closing costs into the mortgage and have no down-payment. You'll pay more out of pocket for a few years but in many areas it's still cheaper than rent - and rent just keeps going up while a mortgage stays the same. Many states also have free programs where you can take a class and they'll give you a grant towards buying a home.

Credit unions tend to have the best rates. Get into a credit union even if it's just a secondary account that you toss $5 into each paycheck.

Also, there are programs through Fannie Mae and Freddie Mac for first time homebuyers that prioritizes them over investors. This is the easiest way to get into homeownership but the houses are usually fixer uppers.

Neti Pots. I clean our my sinuses every night before bed, and I rarely get sick. Of course it's not a miracle cure, but it's great at preventing a viral infection before it starts.

Cancel subscriptions when you sign up, fuck auto renewals and save some money if there's a gap before the next time you need or use the service, and gives you a chance to consider if it's worth the money or ethical concerns when manually renewing subs.

Mask. N95 or better. My wife and I never stopped, and she never gets sick despite being immunocompromised. I work in a place where illness is common due to the environment and I’ve been sick once in the last year, meanwhile all of my coworkers come in sick like twice a month. Apparently they’d rather be sick and miserable all the time than wear a mildly uncomfortable thing on their face.