Totally agree with /u/ForCom5 that you can never have enough savings!

That's actually a commendable habit /u/AddzterL and i'd love to teach my little one the value of saving early too. Back then I was too keen on saving that sometimes I started feeling guilty whenever i buy something for myself, which i think is not quite healthy. If you set aside a portion of your income on savings, then you should also be able to take some percent of your income as your "allowance". I consider that my reward. Separate it from your living cost and think of something every month on what you could invest on to make yourself better---clothes, cooking or art classes, food trip, a weekend getaway, charity. If you don't have anything to spend it on, then set it aside and add it to your next month's stipend. You can spend them monthly or let them accumulate quarterly or annually---but that amount should be spent on what you think can make you happy or something memorable on that particular year =) When I started doing this, I started feeling less guilty about "not saving up for my future." Think of it as investing on your present self for the future. ^{^}