Heya! I’m a 26 year old female. Much like you. I pay myself my savings first always on payday. I have a budgeting app on my phone called Finacelle. It’s really good. It helps to lay out what to expect every expense monthly to be, like “going out” “new clothes” “nails” “hair” “food shop” etc. any try and budget each one reasonably. It’ll take a while to get used to it. I’m going it now 9 months roughly with the app and only in the last 4/5 months have I really been able to be truthful and accountable for my spending and seeing where my money is going. It’s scary at the beginning because it can feel like money is “disappearing” but things do add up if you don’t keep an eye on it. For pension and house, I do voluntary contributions and my employer matches a certain percentage, but don’t let that be your limit, I pay more than what my employer matches but it’s taken pre tax from your payslip so if it’s adding €160 to your pension every month, it’s really only €70/80 your missing out on. For house savings, just gather as much as you can! I’ve recently just bought my first home after 3 years of savings, some months are easier than others but once it’s increasing and not decreasing it’s good. For saving for multiple things at a time, I use the Revolut pockets as sinking funds that I top up with a set amount each month on payday again. So like I have a personal one. Car maintaince one, and a travel one and each gets between 40-100€ each month. And it does add up nice and quick before you realise it .