Continued:
Communal Fees
You can certainly “shul-hop” without having multiple shul memberships. Pick one shul as your “primary shul” and pay a membership fee there. If you feel guilty about utilizing other shuls without paying membership, make occasional donations to those shuls. I will also add that as a young single person, nobody expects you to pay a membership fee anyway.
I do not know many men who visit the mikvah weekly. Kudos to you. This will, obviously, be an additional expense that most families do not have. Mikvah fees can be as low as $12 or as high as $36, and when i”yh you are married you will have to multiply that by five instead of one per month. However, many mikvaot have sliding scale payment policies. I do not know about for men, but certainly for women nobody will be turned away for lack of money. I would assume the same for men. But if you are so needy that you cannot afford to pay the mikvah fee, while it is certainly commendable to visit the mikvah on erev shabbos, I would consider whether or not you want the community to support that minhag when you don’t have a chiyuv for it.