I want you to enjoy yourself and have a good time and you can't do that when you are counting the pennies and watching what you spend all the time, so I think it's time to start misbehaving with those savings. Take a nice big fat wad out of that bank account and go crazy with it. Eat, buy, spend, enjoy and indulge yourself to the fullest because what's the point in savings if you never have fun. Trust me that rainy day you are saving up for will be just the same as any other day so why wait for it..