Take a good, hard look at your calendar. Not the work part, those obligations are not optional. Let's talk about the social calendar.
Are you going out to eat/drink three or four nights a week? How does that align with your goals? If you are striving to reduce credit card debt, live within your means, or spend more time with your hobbies, it is hard to justify the time and expense spent outside of those goals.
Don't be afraid to say "no." It is perfectly fine to tell someone that you can't make it because you have a project that you set aside time to work on. Learning to say "no" is not easy, particularly for women. We were raised to be people pleasers and it takes courage to say no and take back your personal time.
Remember to protect and treasure your time. It is more valuable than any of your assets!