Playing LTC or SS, I have encountered money problems for a longer period than in retofit or vanilla. One good thing about having a high diplomatic rep is that you can buy and trade provinces which can use up excess cash. I always try to keep the cash level below 50k so I don't get those extravagant traits on generals. Also,when I play chivalrously and don't sack or attack other factions with a similar religion, I have a whole lot less money to play with than if I blitz. I find that if I recruit a lot of the most expensive units I can that the reserves can plummet.
One could refrain from building paved roads, warehouses, mines, farms, and markets. That should have a great effect.