To make sure that your hard earned money does not go to waste, make a list of your priorities. What you need to spend on should you have the funds already. I have been remiss in this. I have too much funds on my hands a year or so ago but I spent it on non-essentials. Now that funds are not enough, I keep thinking of the important things I could have bought with that money.
There’s nothing wrong with indulging once in a while. But be mindful of your priorities. I learned this the hard way. Don’t let it happen to you, too.
Set aside funds for the important things. Whatever is left, get the 10% for your indulgence. Deposit the rest to your savings account.