Interesting user name, witch of the sun.
After dubbery, I was stuck for a long time in "future" mode, pulling my life together so I would have things the way I wanted some day. Finally I reframed it into having goals for myself vs. "not yet".
When I get up on Saturday morning, I think, "What am I going to do this weekend that's worthwhile," whether it be having fun or whatever.
I can relate to your post. I think you're right for living in the here and now. Money comes and goes. You need to be happy no matter what's happening financially. Life's too short.
"Friends" come and go too. Is there meetup.com in Spain, or something similar? I was really lonely where I used to live, small city where I had been a jw. I moved away with only dh, and I've been going to lots of events. I don't have any "friends" yet, but I've made a number of acquaintences and have been having lots of fun.