I live in one of the most expensive cities (though after my recent trip, I think London’s got NYC beat) and I’m self-employed. In order to keep my head above water (Good Times) I live far where rent isn’t as high, cook as often as I can to avoid dishing out money eating out, and pretty much behave like a miser when it comes to certain purchases. I live pretty commonly. But I’m a beauty and fashion junkie so I tend to like “things.” I used to go overboard but quickly learned that in order for me to have certain freedoms (like being self-employed and running this site and other obligations full time) I couldn’t go crazy with spending. Spend smart, live more. Or something like that…lol.