it helps me to minimize my expenses and helps me to save more!

This is what I appreciate 😊 which some people don't consider when they want spend. To save is more important as far comfort is the second priority and saving is first.

In my city, 100hbd would be for the house and let's not talk about feeding in city. I would say your state is fair in terms of house rent and food items.

Enjoyed reading your post! Vividly written 😊. Burl!😏