1) Saving shouldn't be as daunting as it sounds, back then I associated everything I earned with 'I need this to live' - save something, even if it's as little as £25 a month, if you get a raise, increase your savings.

2) Entry salaries are rough to deal with, but the speed you can improve your earnings is phenomenal if you're doing a good job.

3) Come to terms with the balance of job satisfaction and salary, you might be working at an agency where someone younger than you is earning far more for what seems like less responsibility, but you chose this line of work because you love doing it. You get to open Photoshop/Illustrator/Sketch every day, they open Excel and reply to emails.