I wish you very well in your plan(s). I don't know what kind of advice or suggestion I can give you. For some time in my life, I had put away 10 - 20% of money I would receive. I would call that "tithing" to myself. I did that back in the times when I didn't have much. It worked for me. I feel like I didn't have to sacrifice that much, but excessive money was there in case something happened or if I needed something kind of expensive. I don't know if that would work for you, but it's just a thought.

I am a frugal person, or maybe just cheap. That's the way I've always been. But that helps, even though I have felt like I missed out on life because of being what I am.