I moved my sim family to 1 Torendi Tower Penthouse (at a cost of 456,000 simoleons). After their first week, the bills of 20k(ish) brought them down to only 1,000 simoleons in liquid funds. I ...
Someone may have already mentioned this. But your Sim can save a lot of money by setting all of their house lights to turn on only when they are present. Especially, in a bigger house. The player has to adjust every single light to do this (or click entire room option). but it is worth it if you want to lower your bills tremendously.
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