Other people have suggested the broader ideas of saving, but I’m going to get into the details of how to spend less money.
I follow the PERK system, and have found it to be very helpful. It takes a lot of effort initially, but becomes easy once you get to a routine. There are a bunch of explanations on this, so here is the first one from Google:
https://lifehacker.com/give-your-budget-a-tune-up-with-the-perk-method-1748020270
(To find others, I had to search for “Perk postpone eliminate reduce keep”)
Cutting the power for 30 seconds drains capacitors. The most likely culprit is in the PSU, but I’ve also seen it be the motherboard or GPU.
Desktop PSUs have been pretty standardized for 25 years. The odds are pretty good that you still have an old one, or know someone that you could borrow from long enough to test.
Failing that, just get one from a place with a decent return policy. I like Micro Center, if you’re near one of those.