The largest personal cost you have is probably housing - and you can hedge the risk of real estate fluctuations without use of financial instruments. ie: you can buy your home. You might not consider this 'using the financial markets', but if your goal is actual just 'a stable cost of living' as you say, then this can help with that.
Of course, it adds on the risk of variable house maintenance costs, and adds on costs associated with moving [particularly closing costs, which can be significant especially if you move more frequently than 5 years after you buy a house]. For this reason, this adds stability only to the extent your job is stable, because loss of income down the road might require you to either downsize or move. The smaller your mortgage is, however, the more flexible you become, because you won't run the risk of being underwater and unable to pay off the mortgage by selling in the event of a 2008-style downturn.
If you are unable to secure a completely fixed-rate mortgage, then purchasing a home with debt will also cause you to suffer interest rate risk, so your total cost of ownership would not be perfectly hedged. The risk of rising interest rates would need to be weighed against the risk of rising real estate / rental prices [keeping in mind that, all else being equal, rising interest rates will likely also raise rent prices, in general].
You could try to mitigate these 'administrative' problems by accessing the financial markets while still renting, by buying Real Estate Investment Trust units, which are effectively shares in property ownership companies. Focus in on companies that rent in your jurisdiction, and if your rent personally goes up, your REIT income should also go up. Of course, the direct correlation between the two could be quite variable. Note that jurisdictions with mandated rent controls, or limitations on rental price increases, may reduce the risk that your rent in 25 years becomes unaffordable for you relative to a consistent income stream.
Your other items listed have similar answers, though none quite as significant as this single decision of home ownership. In effect, buying instead of renting fixes market-price fluctuation costs, and that would also apply to a car, investment in a home kitchen rather than buying takeout, etc. etc. etc. You could even put solar panels up to mitigate the risk of utility cost overruns, but that often takes a long time to pay off and is very jurisdiction dependent.