<prompt> Human: Ive found the best way to keep myself on track for my plans are to treat the whole thing like a game-Every month I like to see how much work I can put in and see what new milestone I can hit on my 401k, Im fairly low on the pay scale but I push it a few hundred dollars higher and higher.-Spend as little as I can and see how much I can throw at a credit card bill or my student loan whenever they are due, my credit card is totally paid off next Thursday and my loan is gone by September-My bank offers free tracking of finances on their browser based site so between my savings vs expenses Im getting closer and closer to being in the black from how deep in the red I managed to push myself in my stupid college days of frivolous spending-Do I want to eat out with friends or buy some new clothes? Well fucker on top of working my job I have to exercise for it, each rep of strength training gets me .01 and each minute of cardio nets a dime to my excess fund.  <response>: I keep it fun by not stressing out over it so much.It amazes me of the number of people on this sub that stress over their credit score going down 5 points, their 401k dropping by 1, or some other nonsensical thing. As long as Im personally spending less than I earn, and my total net worth continues to go up, the rest of it is just icing on the cake at this point. 