Sometimes it seems like living in the city is costly. In some cases it can be; property is usually more expensive, car dealerships charge a little more inside the city limits not to mention the gas stations! Added to all this you feel more pressure to keep the same standard of living your neighbors do, because you live closer to them. Then there’re the choices… instead of having one or two options for dining out you have hundreds, or even thousands – enough really to eat out every night. Plenty of ways to go over-budget, eh? It doesn’t have to be that way though. The amount of variety available in the city works in your favor too. For every top-shelf choice there are many, many frugal choices that you can make. Let’s take a look at two of them: Free events  – You don’t find much of this outside the city limits (or at least not always the productive kind that you can take your family to.)  Cities offer festivals, concerts, and educational opportunities – all for free. Grab your local paper and see what’s scheduled for this month. I guarantee you will be surprised. The ability to