What's happening is as soon as I get the pay raise, I do things which increases my expenses leading to little or no saving. If it was simple habit issue, I wouldn't have posted here but it's bigger. How do I know that I am not letting go of present day pleasures in the name of saving money for the future. Being someone who doesn't come for means, I know the value of money and how hard it's earned but I also don't want to lose anymore time or chances to enjoy my life than I already have. Anyone can help me craft a strategy to manage both present and future without any regrets?