<prompt> Human: Edit Below. The budget below is actually a big improvement over previous spending. We were enjoying ourselves obviously, but realized we had to reign things in and set realistic goals. At this point, we usually come in under budget. But we are still spending a lot, relative to other households I think, I have no data on that. I feel guilty about this, but Im also thinking our budget is looking okay long term...I mean, we are saving 45 of take home pay. Am I delusional? We are still somewhat young sub 30.Monthly Take Home Pay: 7,750Monthly Budgeted Expenses: 4385 RentUtilitiesInsurance: 1550 Home Supplies: 100 Pets: 100 FuelCar Maintenance: 275 PhoneTVInternet: 190 Going Out: 100 Lessons: 240 Groceries: 450 Dining Out: 500 GiftsDonations: 50 GymDoctor: 150 ClothingHair: 400 Bed: 65 Other: 215 Monthly Savings Long-Term Investments: 1415 401k and Roth. House DP Savings: 1750 Vacation Savings: 200 left over from budget Assets Long-Term Investments: 125,000 Cash: 50,000Debts: Student loans: 15,000. Interest paid by govt until May 2015 Bed: 870. Fee: 35year. Edit: Thanks for all the responses. My takeaways: spending is to be evaluated against a relative criterion rather than a normative one, and pay off the fucking bed.  <response>: Youre saving 45 of your income. I save in that ballpark as well. Being frugal and trying to cut down spending is great, but youre already doing an excellent job saving and theres nothing wrong with spending the level of money that you are on things you enjoy.Money is a means to an end. If you are saving enough to meet your future goals retirement, whatever, and can still afford entertainmentluxuries today, then go for it. 