I think the best strategy is to cut down the tax. At your salary,
I think you can buy the maximum RRSP, which is around 13000, then you can get about 5000 back in tax return. Cooking by yourself is really cheap, I just switched from resturuant dinning to home cooking. Before
I spent at least 600 daollars month, now my monthly grocery bill is around 250. If you think your car is too expensive, sell it and get a cheaper one.