Yes, this personal finance issue is not peculiar to you. Many people have had similar experience and they can relate to your plight.
However, instead of sitting down there lamenting how your money disappears, you can actually take at look at what you do with your savings.
But if you still don't understand what you spend it on, I 'll advise you to avoid doing the followings with your savings.
1. Don't loan it out
There is a reason why that money you set aside for personal use is called savings. If you have denied yourselves certain gratifications to save money, it is only reasonable for you to make that savings useful for you. Never loan your savings to anybody.
2. Never invest in a business you don't understand
When some people hear about the huge return or profit they will get on a business in a short period of time, they don't care to listen or know about how the business would be run before committing their savings.
This should not be you. You can't afford to gamble with the money you've been saving for a very long time. If you don't understand the business, let it go. Don't put your money in a business you have no clue about.
3. Don't be too generous
Good boy, I heard you are very generous, Philanthropist par excellence, weldone sir! Accolades like these will only run you down.
It's cool to be generous, but don't sacrifice your savings to expose yourself to a financial crisis. Use your savings to build your wealth and when you have more than enough you can give back to the society as much as you want.