Flugmaschine, of course pilots all over the world do not enjoy the privileges and benefits they used to have in the 1960's. That doesn't mean that they are really poor. If you want a representative comparison of your state of life, compare it with other professional groups like physicians, layers or bankers. There is everywhere an up and down, and altough some may have more than others, you cannot talk of ruining one's life, at least not what I see. You also have to consider that some pilots are complaining about their decay of life style, and they are doing it rightfully, but from a very high level.
If you want my advise, I would need more information about your career, but how I see it, you are a young FO in a regional airline. In Europe we also have better and worse airlines, but generally in Europe the pay is a bit better. Low cost airlines have created some quite good opportunities in the last 10 years. But also here people are complaining, and partly also with a reason.
Have you ever thought of checking out Asia? You get some very good opportunities in the middle and in the far east. After a few years, with experience and type ratings, world looks quite different. You always have the chance to get back to your home country. And maybe you will have learned to enjoy a lot of things at home.
Enjoy while it lasts,
Dani