Take some time and sit down with yourself. Be honest. This is not for anyone else. What are your values/your priorities in life? Once you have established these, open your bank statement and see where your money goes. Without manipulating the facts, write down the top 5 places where your money has gone recently. And then do the same with your time ( a calendar/WhatsApp/Instagram). And once you have written these lists down, can you take a moment to reflect if the balance of time/money is reflective of your values? Or can there be some shifts here? Is there a way to say yes/no to things that will bring all 3 into better alignment?