how does a philosophy affect one in their living day to day?
I suppose philosophy can mean the study of how things are, and how to be sure of the best way to live.
For me, in case this answers to what you mean by your question > my basics are that there is God who is self-existing and all-controlling, and interested in personally sharing with us and guiding us in His own peace. And so, I do best to simply always depend on Him to do whatsoever He wants with me in His peace, and do not fool myself into thinking I can do anything really well on my own.
So, my philosophy has a personal application for everyday life.
Others might give much attention to philosophy, but they do not have any use for what they think. It is a hobby, maybe something to get their attention away from things and people of their real lives.
And ones can want things to be a certain way, and so they dictate that things are the way they want. Their character can have a lot to do with how they see fit to see life and reality.
For example, if philosophy dictators want certain things, they will say that either there is or is not God, depending on which fits with what they dictate they have to have. And whether they decide He exists or not, they can dictate how He is or would have to be, so He fits with what they want. And their character can be their dictator of all this.
So, a dictator's philosophy, then, can be like the wagging tail of a dog . . . not exactly guiding the doggie.
Meanwhile, in my case, my philosophy can greatly effect me and my life.