I think more often than not I’m choosing either cut discretionary spending to save for a high-dollar expense (like a training course I took recently), or don’t save and live with some simple pleasures sprinkled around, like restaurants or extra cappuccinos. So when I’m saving I resent not being able to afford small stuff, and when I’m buying small stuff I feel I should be saving. So maybe that’s not “enough” or maybe I’m just budgeting wrong? In any case, I’m about to cut my wages by a lot. I’ll also be losing health insurance. So I think it’s going to be uncomfortable for a bit, and I wonder what I’m going to have to do reach that balance of saving and spending reasonably. I fear falling behind on my financial goals, or worse some crisis sending me into the hole.