Making a budget instead of just spending and hoping you have enough to get to the end of each month can free you up to spurge in allowable categories until you have reached the limit you have set for yourself.
The temptation can be to crack down on your time wasting and try to stick to a schedule, but this really isn’t a good solution either. Too much rigidity means you won’t follow the schedule. A better approach is to teach yourself to be mindful of your time.
You do not want to take your family for granted, but it can be easy to do. In particular, if you are busy and stressed in other areas of your life, you might treat your loved ones as though they will always be there for you.