The usual stuff here - Wero instead of PayPal for person-to-person payments (but only if your bank supports it), use Girocard in shops rather than Visa or Mastercard, threema as a chat app, make use of your library's e-book services, try to switch to a European email provider. They give two German-based examples for email - both of whom charge โฌ1 per month for the lowest tier.
In my view, it was the US tech companies willingness to offer their services without charge that led to their current dominance.
Apparently threema asks for a one-time payment of โฌ6, which reminded me that WhatsApp at first was an independent app that charged a one-off 50p if you wanted to use it after the first year.
That was low enough that many people did pay, making the developers a lot of money. Not superyacht money but still a tidy income. They made the superyacht money when Facebook bought them. Facebook then got rid of the one-off 50p charge of course, because they were going for world domination.
So the question is, how much are the general public willing to pay for privacy and some kind of corporate accountability?