Until this year, when my wife received her delayed pension entitlements (she had to stay registered in the system for a further 5 years owing to time spent out of the country and non-documentary supported) and following the refusal of Australia to pay our pensions, we lived on a net €580 a month i.e just under €7,000 a year. We DID receive free medical cover from France and also help on the tax d'Habitation, but that was it.
Plus factors (negatives?) we owned our own house outright, we had no debts whatsover and never have had even before these shocks. 'Can't afford to buy then do without' being our motto. Plus and it is a MAJOR plus we had put away savings during my working years. Not a huge amount but not too bad, and put into two Livrets.
How to save? Well here's a few of the things we did;
Stopped buying meat (expensive and non-essential) Ditto re 90% packaged food products. Reverted to a largely vegetarian and fruit diet. Make our own muesli for example - better and cheaper than Supermarkets.
Use the Puces as direct sources of clothes and even entertainment - eg cheap dvds. Even bought 'entertainment centres' such as CD and DVD players from these sources. Retained the Digital TV bought over 15 years ago and it is still working. Check online for deals on EVERYTHING - can even be fun! The amount of no-charge stuff online is amazing - check archive.org for free music, ebooks, radio shows, films - TOTALLY legal. Buy 100 blank DVD's or CD's and make your own music and film libraries for centimes each.
You will not die of shame by not owning the latest Plasma TV or other gismo. If your friends are those who judge YOU by what you own then p*** them off, you don't need these people.
Moved shopping largely to Lidl, and use the car once or twice a week. Yes, it is easier as a Pensioner in this regard, and having no children, but the question was how to reduce outgoings. Sometimes this takes a certain amount of financial investment daft as it sounds. Buy a breadmaking machine and produce bread at a fraction of the retail price. Buy a blender to make soups etc better and cheaper than packaged products and so on.
OK essentials apart from these. Check your car and other insurance rates EVERY year do not it as granted you are a 'favoured customer' 'cos you ain't! Get a good combined TV,Internet,Telephone rate. Use Skype to contact your family not mobile telephones. Do you REALLY need a mobile or smartphone? I doubt it.
Switch off lights! Put all heating and water heating on timers to get cheap rates - do it once and forget about it. Look at the Eco+ or other bottom shelves for products, look for products on "special' or just past sell- by dates.
Harder in towns to reduce meeetings in restaurants and bars, but advisable. Have animals? They are not as fussy about what they eat as you might think they are - look at the various prices for cans and note the contents are exactly the same at 40 centimes and 80 - and your animals can't read!
That's just a few for starters.