There is an highly-regarded organization called Paamonim that helps peole in Israel organize their monthly budgets. They have branches in many cities and you can contact them for help in organizing your savings/spending.
In regard to apartment buying, there are government programs to help first-time buyers break into the market, but many of them require you to buy in new developments outside the center of the country. (There was recently such a program for Harish and there is now one in Kiryat Shemona.) Paamonim will know about these programs.