It all interconnects.  Take the time to really think about your priorities and set some financial goals.  Your future self will thank you.  I endorse the 10% improvement model.  Don't let yourself get overwhelmed by trying to achieve money management change, eco-living change and work/life balance change all at the same time.  Work your way through the issues one by one and introduce small changes that will make a difference.  Soon, you will find all those little changes add up to big changes overall.  When you look back a few years from now, you won't believe how far you've come.  

I'm glad you're here.  Let's make a start.