i live in a miserable neighborhood in a building that is owned by someone whom i have known my whole life. i get not 5 minutes of peace a day with all the fighting, boom boom radios, sirens, gunshots, and barking dogs. i can't sleep at night because of round the clock jerry action. i get cheaper rent by doing general landscaping/winter maintenance, and obviously by knowing the guy. i currently share a cable bill with the lady downstairs. it's in her name to her apartment but i ran a line up through the floor to my apartment for tv and use her wi-fi and we split the bill. up until a few months ago i had my own bill but that wasn't going so well any more. we also partially split a food bill and buy a lot of bulk things at sam's. i drive a 14 year old car with a coat hanger antenna that i'm afraid to even take an hour away to the beach (it has actually broken down in the parking lots of 2 different grow stores, but that's for another thread). i grow my own pot with equipment that i purchased years ago, and i went organic so i can grow a year's worth of pot for less than 200 bucks of soil and amendments. i mitigate the cost of the electricity by not having a/c, keeping lights off, and having cfls everywhere in the apartment, so my bill is similar to everyone else's. i wear mostly hanes white tees out of a pack and my newest pair of shoes is around 2 years old not counting flip flops. i have no woman because i don't go anywhere and probably couldn't afford one right now anyway, and no one in their right mind wants to park their car in this hellhole just to visit. i've had 2 perfectly good teeth pulled because i can't afford any root canals, and my teeth in the front are getting cracked from the shift of having the teeth pulled, but i can't afford a dentist and they are starting to hurt. no idea what to do about that. i also borrow from my mother quite frequently, though i always pay her back on time. it's july and i'm STILL behind on my heat bill leftover from winter, still haven't paid my excise tax on my car, and still have a leftover balance on that cable bill. my life consists of work, tv, internet, and sleep, and if it wasn't for concern for what would happen to my cat i wouldn't even care whether i was alive or not. my zest for life is nonexistant and you will probably see me on the news one day for something i shouldn't have done. i would probably benefit from some psychiatric care but i can't afford that any more.
TL;DR version: i live like a bum, i have no life, and i'm patiently waiting for death, which i will probably be alone for. there was a time when i had a better quality of life, but that's over now. i was a lot more optimistic about life 3 years ago.
about car insurance, me living in the city and driving a 14 year old car with basic coverage is still more expensive than living in the sticks with a brand new car with full coverage, assuming identical driving records. i COULD be like other people and claim that i garage my car in some podunk town and save around 500 bucks a year, but if i actually needed to make a claim i'd be screwed.