Well, you made a few great points, it is definitely costly to live a frum lifestyle, but there are a lot of changes you can make that won’t really hurt you, ie all those subscriptions you have, completely unnecessary (even hamodia) if you’d really like, just keep 1 or 2 of them. Mikvah is about $5 max Erev Shabbat. As aforementioned, you don’t need to “join” numerous shuls. The haircut thing, I agree with I get a haircut every 3 weeks (that’s only bc it’s expensive otherwise I’d do it every 2 weeks) and counting the cost and tip, that’s about $12 every time for me. You can go to Century 21 for really nice ties for a fraction of the price, I get ties there for only about $13-$18 (brand name ones too). Zara has a great selection of suits that if bought at the right time, will only cost you a little over $120 for a full suit! Shirts, that can be a problem, you want good quality shirts so they easily go above $30 so yeah. However, I am a very strong believer in the notion that anything that’s done l’kvod Shabbos/Yom Tov is not on your cheshbon, so I’d take that out of my list too.
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