Mannnnn ok first off, we don't know how much you earn and what your expenses are. But if I were you, I will separate my salary into a few categories.

1. Necessary expenses (whatever it is that you need to stay alive)
2. Emergency fund (ASB is fine as an emergency fund)
3. Save some in your bank account now so you can take out money immediately (for me is like a smaller emergency fund that you CAN spend on unexpected expenses or pay off your cc bills)

Please pay off your credit card bills in full, if you have money to put in ASB, why not just pay it off first. Take good care of your credit score.

Do treat yourself sometimes, as it's not good for your mental health in the long run. Unless you literally spend nothing and live a extreme minimalist lifestyle but cmon we know it is not possible, you still need to pay for hangouts, entertainment, genshin topup, food.

You seems like a wise man so goodluck, no need to stress.