Much easier to appoach these the other way round: I could choose not to cook at home, but that would cost me a fortune, so I never stopped doing it. Best way to avoid expenses is not to commit to them in the first place.

Same goes for avoiding exploitative apps: never install apps unless there's no alternative. Block all ads. Deny all notifications, especially on the desktop browser. No, I won't send you my location.

It's annoying to have to maintain a wall of "no" but it saves problems in the long run.