It is difficult to give effective advise knowing so little about you or your circumstances.however you could try spending your money on people ,not things.
It does not have to be charities.You could employ a cleaner,a personal trainer,or a life skills coach to help you with goals you wish to achieve.This type of thinking helps put money back into your community & provide jobs.
Also buy good food from local suppliers,even organic if that is not too controversial for STW.
Good luck with this enquirey,it is the start of true maturity.
Cheers
Jeff