Perhatikan biaya transportasi Anda. Berbelanjalah secara grosir. Lakukan pengaturan ulang dalam pembiayaan rumah atau pindahlah ke tempat tinggal sewaan yang lebih kecil jika biaya rumah Anda terlalu tinggi. Daftarkan diri untuk menjadi anggota program pembiayaan perawatan kesehatan (misalnya di Indonesia, BPJS). Tanyakan kepada atasan Anda apakah Anda dapat bekerja dari rumah beberaa hari dalam seminggu. Belilah pakaian di toko pakaian bekas. Sewalah film, musik dan buku di perpustakaan lokal. Hubungi kreditur Anda dan mintalah mereka bekerja sama dengan Anda. Daftarkan diri pada program-program makan gratis.

Given the above summary, write a detailed text in English for it.
Crunch the numbers for a carpool or bus to work. Replace gas and repair costs with a monthly bus pass if it will reduce the total in this category. If your grocery bills are high, make sure you don’t shop at a local bodega. Clip your coupons and stock your fridge, because it’s cheaper to eat at home. Experts recommend that housing costs never rise above 30 percent of your income. If you are under the national poverty level, try applying for low-income housing. Go to  http://familiesusa.org/product/federal-poverty-guidelines to find National poverty levels. Many cities have means-tested programs that allow you to submit your taxes to show you need help paying for health care. If you don’t have insurance, apply for the health insurance marketplace before March 31st of the year to get a tax credit to reduce your healthcare costs. This can save on gas and your transportation costs. You can find good quality clothes that look brand new, if you are willing to search closely at your town’s thrift stores. Re-sell clothes you don’t need to consignment stores. Most libraries have extensive media programs that you can use in place of Netflix or cable until your income increases. Rent exercise DVDs and cancel your gym membership. Arrange a repayment schedule instead of waiting for interest bills to increase. Medical institutions, utility companies and other organizations may be willing to stop racking up interest if you pay a small amount each month. Living in a debt vacuum can make it impossible for you to get in the black, so don’t delay in asking for help if your interest payments or bank fees are a large part of your expenses. This is another means-tested program that can save dozens or hundreds of dollars on grocery bills.