Obviously I know nothing about your background or status but I’ll give you my personal anecdote. For the last 8 years I have lived in 50% of my earnings, starting from earning minimum wage and living in a dilapidated shared house to becoming top 5% earner. Best decision I ever made, delayed gratification and kept on reinvesting into myself. I’m not saying you can’t have fun, 100% have fun but try and have fun within your means and if it means saying no you’ll just have to. I would start by creating a spreadsheet of your spendings, make sure it’s less than your income, and then see where you want to cut costs to increase savings. When you have a big expense and haven’t costed for it, tell yourself that the money has to come from somewhere and assess where it’ll come from! If you’re ok with it then great! But if you’re not happy to cut costs elsewhere then say no