How to reduce your monthly expenses without losing lifestyle?

Credit Card debt and other expensive interest debt
Constantly trading in and out of stocks/cryptos/currencies/ commodities – the only person you’re making wealthy is your broker
Gambling rather than investing – lack of clearly understanding what you put your money into and the risks
Administration fees on investments – what appears to be low cost in the short term chews away your compound interest returns

Focus on removing expensive credit card debt. It’s near impossible to win at the game of life when you have a credit card debt weighing you down at 18%+. Establish a payment plan to eat away at any credit card debt and if possible refinance your debt into a lower interest rate facility (i.e. extending your mortgage to wipe off credit card debt).