At home I currently use MiniMax via OpenRouter - it’s pretty good and very cheap. They have a subscription plan, but I’m not ready to commit to it yet.
Another way to keep the ability to try out new models is to buy a reseller subscription like Cursor’s.
I tried OpenRouter but I feel the money flies even with these models, it is not comparable to a subscription but yes, it's very good for trying. Maybe I should test other models alongside GPT 5.5 to see which one fits me.
I'm also unemployed. So far the models that I've used the most are Kimi and GLM. I haven't done that much agentic coding though, I've mostly used them for studying math and general conversations and I'm generally happy with their performance.