When you’re tough the stuff that everyone else complains about becomes a non-issue. Being more stoic and equipped with a just do it attitude you can accomplish more with the same money. It is focused around identifying the practical goal of the activity and removing the extra costs or work that don’t add value to the goal.
For example, if you need to get to a doctor’s appointment transportation is the goal and walking or biking to accomplish it saves transit money, gas or bus fare. You forgo the luxury of sitting idle during your trip. If you’re tough you'll continue to walk or bike even when it's hot, cold, raining, snowing, or humid out. And when it’s hot or cold out you won’t immediately jump to cranking the thermostat up or down; you’ll stick it out or make a moderate adjustment.
Dinner may not have turned out the greatest, but the goal is to feed yourself and the food is still nutritious fuel even if it’s a bit burnt or seasoned weird or mushy so you eat it anyway and learn from your mistakes instead of ordering delivery. After all the food is here and already made. When you do order pizza you go pick it up yourself, you’re not too busy, harried, or tired to do it, instead of paying the delivery fee. If delivery is free, take it, of course.
There are also non-monetary benefits to developing a thicker skin and determined mindset. You can also accomplish more than you otherwise would. When you can tell yourself, "no, I will sit down and write a blog post for tomorrow instead of watching Hulu or the like" you are using your time more productively. (This, of course, is never something I struggle with...) Similarly, your house will be cleaner, your car neater, and life will flow more smoothly. You will not spend 20 minutes procrastinating over taking out the trash instead of mindlessly reading the internet. It will get done and then you can move on. Clutter and unwashed dishes adds significantly to my baseline stress level so over the past couple months I have consciously worked to become better at washing all dishes immediately after the meal is done. Including breakfast. It's quicker with the layout of our kitchen, I feel accomplished and I'm less stressed later.
You'll also look better when you're tougher. When I visited my business school of choice I noticed that the current students were decidedly heavier than the prospective ones. I'm betting that I'll actually be in better shape a year from now if I keep up my bike/walk to campus and for errands and keep disciplined enough to maintain cooking from scratch every night. But beyond cutting a nice figure, the extra weight can cost a bundle.
Sure this isn't a magical transformation that happens over night, but there is a distinct sliding scale of "can-do" in life and inching up that scale has incremental benefits that can make the attitude self-reinforcing.