First of all you plan, they said what is plan well is what doing well, if you know you will be spending your holiday with love ones in the Village or any other place and you have in mind to do one or two things for them, is better you start gathering money and saving for that day to come, despite that money is just an Inching asset that when you have it you can't stop thinking towards it, especially when you have a problem at hands to solve but you are keeping the money for something else. But sometimes patients is also required and principal so you don't spend extravergantly. For me I will just minimise my spending and work harder to achieve my goals.