So far, I’m only using cost-free alternatives:
Gmail -> web.de
Android/Google Play -> LineageOS/FDroid
Google Search -> DDG/Qwant/Ecosia
Google Maps -> Openstreetmap/Organic Maps
Windows/Office -> Linux/LibreOffice
Netflix -> 🏴☠️streaming sites
Spotify -> internet radio/digitizing CDs bought directly from the band at concerts
The only service I haven’t replaced is YouTube (AdBlocked without account), which I use a lot, also for music. And I don’t see an alternative for it either.
In terms of money, nothing. In terms of time? Several hours per week using offline methods. Keep in mind, I don’t own a phone at all, and only use my computer for an hour or 2 a day at most. I do as much as I can in person.