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For me, not that hard, you just have to have your priorities in order. Buy things you need, not want. The main thing that kills me here is honchos (taxis). Here it is very hard to get approved to have a vehicle unless you have your family, or your a SSgt or higher. LCpl's and below are not allowed to have one at all. I know a LCpl that did a tour conversion and brought his wife and kid out here aand she was allowed to get a car, but he's not allowed to drive. And the honchos charge freakin 500 yen as a base which is like $7. They rape you over here, I mean $7 just climbing into a taxi? Come on.
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