It's all about expenses. I live in Vancouver, which is widely considered to be unaffordable. I spend $10k/yr.

Step one is to develop a condescending attitude towards people who need to spend money. This will make it unthinkable for you to become such a person. Personal identity is a powerful thing.

The rules are: don't drink, don't drive, live with friends, and budget.

http://nyansandwich.info/cheapskate.html