<prompt> Human: I find it very difficult to be strict with my spending and its often like there is a blocker in my brain as to the consequences of my spending actions. Like there is something that just hazes over and dulls out what I should be doing. There was a time once when I did save and found the process to be quite addictive, Id love to find that place again.Id love to hear about your struggles and successes and maybe pick up some advice.Cheers  <response>: Save first. Savings goals are the first to come out of my checking account on payday. 401k and HSA is deducted by payroll and the rest I have set up as an automatic draft. The remaining money is what we keep to spend each month. Money only goes one way IN for our savings accounts with the exception of the emergency fund, which is only used for actual emergency expenses. 