I "live better than my means" ... basically, in spite of living on a budget, I still manage to enjoy life without ever having to use credit (fake money).
That's basically where I'm at. I live quite well. I'm on a budget but yet I have a pretty decent cud of money I can blow each month. But, thankfully, it's cheap to live where I live, I don't have to drive anywhere everyday like commuting to a job, and I have a huge garden in the back yard already giving up it's fruit. Life is good. But I don't know for how long. Obama has messed up some pretty serious shit lately. We have a national debt that scares the shit otta the rest of the world. The Feds are completely out of control and no one cares, so even if you are surviving... how much longer do you think you will?
The biggest money saver in the world is to use the bus, walk, or bicycle. My area isn't cheap to live, but I get good tech when I want it, build a lot of it myself but meh. My internet service is the second most expensive bill, rent the first of course. Sometimes I have to get a payday advance, but I pay those off right away and the interest is calculated into it already, so meh. With the feds currently I am trying to put all my money into tech equipment, since they will likely not depreciate as much as anything else at the rate we're going. But I am not saving money in the bank, why bother, since it won't be worth anything unless some serious change happens. Just when I start getting my life going ... we get another 4 years of Bush ... erm .. I mean 4 years of Obama.