Most of us have heard of those extreme cases of cheapskate living where people have picked leaves to use as toilet paper and gone through the garbage of the bakery for their day-old bagels.
What is it about the financial situation that makes you unhappy? Is it that you don’t have enough money or that you are giving it all away to the wrong people? Or is it both?
Debt will drain you of so much happiness. The theory of debt “just being the way it is” is entirely false, and whatever source is telling you that needs to be turned off.