Not that hard! One trick is to move to a cheaper part of the world, I'm currently spending most of my time in Madrid which is a lot cheaper than my old home of London, so socialising is easy financially. The tougher problem has been pushing through and continuing when the usage has decreased for 2 months in a row, but things always seem to turn around and improve, and as long as things are moving in the right direction long term, I have a roof over my head, and enjoy what I'm doing, I don't see the point in stopping. (My thoughts may change slightly in the coming months since we have a baby on the way!)

EDIT: slight tweak