For the normal working class like an simple employee, the cost of living is very high, he gets to go to work and spend fares, there is the rental issue, the more it is near the workplace the more expensive is the rental. So the thing to consider is to change the ways of life, earn instead of spending. Leave those extra curricular activities like eating out just to show the world that you have money to spend... A picnic in the nearby farm could do the fun and enjoy it to...
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Absolutely right. Lifestyle is a big factor. Consider some tribes who live so simple. It's sad, though, since they are also affected by industrialization.
I also agree with not impressing other people and that finding happiness with not expensive things is possible. Cheers!