I believe you are in the good path, but although those savings on energy and any other utilities will give you some room, my personal sense is that it will be only temporaly as inflation will keep raising costs year after year. I would suggest to try to invest in BTC some of those savings, no matter if it is a small amount, what is important is to keep a steady savings program into that. Over the years, you can live on permanent loans from your BTC without selling.

Take a look at Jeff Booth keynote on BTC Washington a month ago. Its an eye oppener.
stablecoins are ok but they are just suffering inflation the same way fiat currencies are. BTC is the only real deflacionary crypto asset and happens to be the one with the biggest value and biggest acceptance in the institutional market.