<prompt> Human: I have a problem with saving too much money and it results in me never purchasing anything to entertain me. What portion would you say its healthy to use as fun money?  <response>: I like the 502030 rule as a general guideline: Meaning, no more than 30 of your income should be spent on lifestyle choices. So, once I deduct automatic expenses such as cable and cell phone, I try not to spend more than the remainder of that 30 on non-essential things like eating out or buying electronics. You would probably enjoy using mint.com It might help you to more easily see where your budget is being spent. edit: I should note that you are much better off having a problem SAVING too much money rather than the opposite. Kudos to you. 