How To Survive the High Cost of Living in California?

It can be hard to survive in a state with one of America’s highest living costs. People in the states need to know where to save money and still live comfortably. So, how to survive the high cost of living in california? This money management advice for California residents will help you get through any economic crisis. You will keep your head above water while staying in a beautiful state like California.

According to NeighborhoodScout, the median home value in San Francisco is $1,236,049 in March 2022, whereas Sacramento boasts a median home value of $449,716.

Here are some financially intelligent ways to survive California’s steadily rising cost of living.

How To Survive the High Cost of Living in California

 How To Survive the High Cost of Living in California

1. Assess Your Financial Status

Surviving the high cost of living in California is about more than affording a place to live. It’s also about finding ways to save money on day-to-day expenses, like food and transportation.

Review your current financial situation and determine how much you can afford to spend on rent, utilities, food, clothing, and other necessities. Calculate how long you’ll need to be away from work or living off savings while getting started in your new city. Start saving money now so that your move isn’t financially devastating when you move.

If you plan to live off savings for an extended period, make sure those funds are accessible without penalty.

2. Keep Your Home Energy-Efficient

One of the easiest ways to cut back on energy consumption is by lowering your thermostat. You will save money but reduce carbon dioxide emissions and support more sustainable living. If you live in an area that experiences cold winters, try using a space heater for added warmth. It will allow you to keep your home at a comfortable temperature without unnecessarily running up your heating bill.

When it comes time to replace old appliances, buy Energy Star-certified models. These appliances can use less energy than standard models while still providing comparable performance.

3. Save For Emergency Purpose

You can put a small amount of money in an emergency fund every month. To help you build your emergency fund, you can save 5% of each paycheck in a high-yield savings account with no-penalty access. Try setting up automatic transfers from your checking account into your savings if that feels too much to save. If you have a debt, California debt consolidation can get you prepared for the high cost of living as you plan your move.

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4. Stop Wasting Money on Subscriptions

Money on Subscriptions

When was the last time you canceled a subscription? When was the last time you thought about canceling a subscription? Often we let monthly subscriptions run their course when they’re no longer valid or relevant to us.

However, one or two monthly charges could be cut to free up some extra cash unless you’re on a budget. The money can go toward savings or that vacation with your loved ones.

5. Eat at Home

You could save a lot in a year by cooking at home instead of dining out. Cook five nights a week, and you can save enough money to afford a down payment on a condo in San Francisco. Take advantage of your employer’s cafeteria or cook once or twice a week and invite friends for dinner.

If you don’t have time to cook, prepare meals in advance to grab them before work. Cooking is also an excellent way to unwind after a long day.

6. Use Cashback Websites For Groceries And Gas

Several websites can give you cashback on groceries, movies, gas, etc. Check them out to ensure you’re getting all of your money back for every purchase. You can also use these sites for shoes and clothing, travel bookings, etc. You don’t have to worry about missing a deal or coupon code with cashback websites, as they will take care of that for you.


Most people associate the high cost of living with luxury. If you’re one of these people, we understand why you might be hesitant to move to California. But think about it from another perspective: many people would live in beautiful and expensive places.

Despite the rising inflation, there are ways for low-income individuals to survive within America’s wealthiest state. Surviving the high cost of living in California is possible if you know where to look.

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