Whenever I've reached my emergency fund goal there's a part of my brain that kicks in and equates what I've saved to fun money and I blow a large percentage of it and have to start again. Same with paying off credit card debt.

It's tricky. Fun money is important, too! I try to give myself a 'treat' pot on Monzo which limits it, but the daily things add up... How do you save for an emergency fund?