I have 10,000 on me just as walking around money. Whenever I go back to my Quarters, I put whatever I've picked up beyond the 10k in the safe; there's about 270,000 in there now. And I'm not at all a hoarder, and certainly not a thief - I'd donate virtually all of it to the Temple of Mara with a happy heart, if it wouldn't take me several hours to do so (why can you only donate such a low sum?). I genuinely can't fathom how you can have acquired so little.
I don't pick up armor or weapons from enemies. I only forge my own, only my own and without improvements.
I rent a room every night and pay three times a day to acquire three different types of food items and one bottle of mead per meal. (IE: Steak, potato, sweet roll, Nord mead)
I'm a Nord, it's against my honor to loot from my fallen kin. No looting urns, no chests in a barrow, no looting off the Draugr. For that matter, I don't steal from the dead in general. I'd like to sit aside Ysgrammor in the great mead hall of Sovngaarde.
I mine my own ores and only what I'll need for my armors or weapons. I hunt exclusively for the leather I'll need for my gear. I chop wood for an income and in a non-exploitative manner.
I don't use potions, nor do I buy potions, nor make potions.
I'm a Nord, I don't use magic; I do not enchant. I do not hoard enchanted magical gear to sell off. In fact, I don't go anywhere near the stuff.
I give the beggars a septim and I donate to Mara at 50sep per visit.
I could go on and on and on, but I'll spare you all.