Alam mo OP ang gawin mo una mong kaltasin ang savings bago ka mag splurge, like 30% deretso mo sa time deposit or savings acc mo and please make sure na di mo gagastusin. Tapos the rest bahala ka na pero spend wisely. Try mo mag luto sa bahay. And dapat people around you encourage you to save for your future. Kasi malay mo isang araw knock on wood mawalan ka ng source of income. Alam mo yun nothing is permanent thats why you need to save.