This is a paraphrased quote from a weird version of the Stoic Philosophy of Seneca; I'm sure the correct quote is out there, but hopefully you get the point:
Your time is your most valuable asset. Dole it out like your employers (or clients, etc.) dole out their money: carefully.
I know people who'll complain about taxes, drive further to get to a cheaper gas station, order goods in bulk to save money, etc. all to save some cash. Rarely do these people have this diligence with the allotment of their time.
Be careful and cautious with how you use your time. View it as something being spent, and if higher dollars means less free hours then don't do it.
This philosophy, in my (albeit small amount of) experience, helps you avoid a lot of the issues OP brings up.
Be careful, people. Paper money can blow away in the wind but then be recouped fairly easily. The few seconds you spent reading this comment, for example? Permanently gone. Be wary of how you spend your time...