A lot of people worry about how to spend their money. However, they would be better served if they focused on improving their skills in order to earn more money and take advantage of every opportunity. The most successful people I've encountered concentrate on making the most of every opportunity they have to produce money. Advance and conquer; don't retreat and save. You will waste more money in your lifetime on missed opportunities than you will ever spend. Investing in your education, learning how to communicate, and negotiating and closing transactions are the best ways to move forward.
Remember the rule of no. Whenever you say "no" to something in life, there is usually a lack of "know." If you have no money, there is something you don't know about money. If you have no prospects, there is something you don't know about prospecting. if you find yourself with no closes, there is something you don't know about closing.