You find free ways of having fun.
On a bus or train, you can get things done, you can’t while driving.
You become more humble.
Haggling becomes second nature.
You lose weight as you don’t eat as much.
You smile more.
You tend to sweat the small things less.
You learn to appreciate what, those less fortunate than you, go through.
You become better at spotting bargains.
Being a master budget maker becomes second nature.
You learn to value every last penny.
You become less frivolous.
When you do get money you save or invest it sensibly.
You appreciate your friends and what they do much more.
You become more creative about how to have a good time.