rent

Maybe the title of this post should be "Cheaper Rent..."  After all, San Francisco, as you know, is not a cheap place.  And the #1 expense for most folks is rent - that huge chunk of change you fork over every month to the person (or faceless corporation) that owns the building you live in.  (Hell, even if you"own" your place, it's the bank that really calls the shots -- and they won't even fix your toilet if it backs up!)