Goals - short term and long term.

Living a simple and stable life is perfectly fine, but most of us have an urgent need to be moving 'forward' or towards a goal. Not to sound like a high school guidance counselor or anything, but it really is a good idea to write down what your goals are, long term and short term. These are usually things like school, travelling, buying property, paying off non-immediate debts, bigger luxuries, or big projects.

Write down the total amount that you expect to spend on these things (and again, round up), and divide that by the amount of months that you'd ideally like to arrive at that goal. Then again divide that number by 31 to see how much you should be putting away each day for that goal. Factor this into your daily expenses, be it luxury of necessities (depending on how important the goal is to you).