No matter what stage of life you're at, you'll benefit by reducing your expenses and living on less than you earn. Generally your rent or mortgage will stay the same but by reducing your electricity, water, phone, internet, insurance, transport and food costs, you can do a number of things such as paying off credit card debt, paying off your mortgage, saving for a house deposit or saving for something important to you and your family.
Back in my spending days, credit card debt and a mortgage were big parts of my life. I didn’t take much notice of it at the time, because shopping gave me other priorities, but while we worked to pay off what we owed, we were building even more debt. I thought it was normal to have everything I wanted and that debt was a part of every life. We are encouraged to think that way. The average Western lifestyle always gives you new things to crave; it keeps encouraging you to spend beyond your means. That will never change. You have to change instead.