When I was working full-time, I'd religiously follow the 50-30-20 rule which means you spend 50% of your income on your living expenses, spend 30% on fun times/experiences and save 20%. If you're able to do it, it's totally worth it. It doesn't necessarily even have to be those amounts but if you follow a formula and you're consistent, it will pay off in the end. I also had two separate accounts so I never even touched the money that was saved. Seeing the money pile up in my account made me feel safer and was enough to motivate me.