I don’t really mind nor care when someone is wrong about something as long as they’re not bothering/affecting other people.
For example:
Someone believes that flat earth is real. Fine, whatever, you’re not really going to cause any harm with this.
On the other hand, during the pandemic, when people refused to wear masks/take vaccines. Then it becomes a problem because they’re affecting other people (potentially putting them at risk)
I’m not really the correct person to answer this, since I’m not struggling to the same degree as you are.
However I once heard a good tip on how to save money. Most people, when they receive their salary spent it first on the necessities (food, rent, etc) and then save the remainder (if anything is left). But instead you should first save a percentage of your pay before spending on any necessities. That way, your brain will try to make the best use the remaining money to survive the best it can