You have been grown up in an environment that is not such similar to all the other peoples. You had to be mature before time. The over-protection has lead you to fear.
Sometimes, you are too much pretentious with what you do and in other times you look too much little with your training. The key is in the balance of all this to get a new job.
If you want to buy all these things for your new flat, change everything and make a huge expense, first you should have the opinion of your partner.