When times are tough, you have to make some highly unpopular decisions. You may have to take a job that you don't necessarily like—with the base mindset that higher ground is the ultimate plateau you have to reach, no exceptions. You may have to learn to go to grocery stores to buy and cook your own food rather than eating out all the time. You will have to make smarter buying decisions regarding how you buy clothes, managing your hair and eliminating subscriptions to magazines you don't read. You may have to spend more time in the bookstores in the City reading up and sharpening your knowledge in your field. It will involve reducing your cable bill to the necessary options only.
But it's not all gloom and doom and no fun. Ever heard the expression "there's power in numbers"? Consider having in-house chill sessions rather than being tempted to spend money in the City. It's hard I know, but which goal is higher—getting off the paycheck-to-paycheck bandwagon or $20 plus-nights-on-the town? Are you into 24, Grey's Anatomy, House or Reality TV? You can have TV-viewing parties on weekends with friends or card and game nights. It's cheaper than bar and club-hopping and it's more money in your pocket.