This... Put games on your wishlist, set your wishlist to only show sales, and sort by price. Then only buy games from that list when they go on a significant sale. Plenty of decent games out there regularly go for $5-10 or less. With very few exceptions I refuse to pay more than $20-30 for a game and, even then, only if they're like 50% off and not likely to come down.
Also... stop pre-ordering games. They'll still be there when they do go on sale. You don't need to play them as soon as they come out. Conquer that FOMO shit and develop some integrity.

Playstation Plus was the last streaming service I used. The titles were garbage and so was the quality. I don't know why I ever bothered when I've got thousands of games archived locally. I'll go back to dumpster diving office PCs before I ever use a virtual instance again.