Not everyone has this option. I know. You have to have a skill or a trade that is valuable to someone who also has a skill/ trade/ good that you want, but it is possible. 

I have a girlfriend who is a stylist in a salon. She is fabulous. I can not afford her prices. My boyfriend is a tattoo artist, and she is a tattoo collector. She can not afford his prices. She does my hair, a full cut and color and he gives her a tattoo for the equivalent price.  She also cuts his hair. We hang out, order pizza and trade services. It works for both of us. Might you know of any people who could save you money?