Having bought a new computer recently, I am very aware of how much new/replacement software costs. More companies seem to be moving from a single payment scheme to a rental agreement, pay something every month, which is expensive for me.
It’s useful to have Microsoft Office, but not essential, especially now I’m not working. I do occasionally edit video clips or pictures, maybe once a month so again, Adobe is expensive.
There are free products out there. Many of them come with all the features you could possibly need, and there are plenty of people around the world who can offer support.
Libre Office, for example: https://www.libreoffice.org/
Make sure you download from the official site. You have nothing to lose.