There are many ways of saving money if you have money problems. Instead of spending money on new clothes, you may try buying second-handed products at thrift stores, a place where you will discover a lot of fashion items at a cheap price. Eating out can also be a huge expense. Alternatively, you may cook together with some friends at home, which is inexpensive and fun. Even more, taking a bus or taxi may cost you a fortune, so it is better to buy a cheap bike for commuting.
我綜合了上面的翻譯,「廉價品」的品項我建議用item而不是apparel(衣物),因為品項並沒有特別指出是衣物。另外,我認為「代步」應該翻作"for commuting",指的是地點之間的通勤,但traffic指的是整體交通。