One thing you could do which would make a significant impact on your life would be to start a business from home. this could be a full time business, but my advice would be to consider a part time business run alongside your day job until you get it up and running and know it is going to work for you
Here are some great small business ideas, and more specifically some craft business ideas which, if you are at all interested in crafts, could combine a hobby with a business
If you want to genuinely be successful you need a plan
You need a plan to manage your money