For example, if you feel like you are depriving yourself to save money, you are more likely to keep spending the money instead of saving. After you have money in your emergency fund and your Life Happens fund and decide on a debt payoff plan, then it is time for some INVESTING! I’m not too fond of this advice because it can be hard to hear (especially if you spend so little money anyways), but look through your budget and see where you can cut some extra spending out; even a little bit can make a massive difference over time.