Lifehacker has a good—and depressing—guide on how we waste money. They offer some suggestions about how to save it, but they can be summarized in one: don’t spend it. Or reduce your expectations and don’t work so much to get money just to waste or—worse—to save it until you are too old to waste it.
https://lifehacker.com/the-most-common-ways-you-waste-money-and-how-to-save-i-1183447200