Nancy Birtwhistle has some great books that can help a bit with the cost of living. They include recipes for your own cleaning products and toiletries. It's only a few £s here and there but they start to add up into some real savings, plus you get the benefit of knowing exactly what's in your products, peace of mind from potential health effects, as it's all vinegars, citric acids, and alcohols instead of (to the layman) mystery chemicals.
And to save even more money they are available on the high seas, although she's put considerable care and attention into them so I've purchased the real things. But for getting started, they are available is all I'm saying.
Obviously that doesn't help with buying a house or anything as they're crazy prices everywhere but it'll save you on your shopping bills each week at least.
I wanted to know the same thing so this is what my searching has brought up, specifically for Scots Gaelic as that's what I've been learning.
Speak Gaelic - Gaelic only, government funded, free
IndyLan - for endangered European languages, made by Heriot-Watt University and EU funded, free
Mango Languages - appears to be the closest to a Duolingo replacement. Many languages, subscription.
Glossika - another Duo replacement however that URL doesn't fill me with confidence that they're not going down the same route... Subscription for most languages, endangered ones are free.
Apart from the first Mango lesson for free and a few IndyLan lessons I've not tried any of these so can't speak for their quality but thought a list might still be handy.