I think that you should prioritize your money because it appears that you are putting a lot of money away each month, but not really making progress towards any of these goals. I believe that you should always save for emergencies (sudden car repairs, family emergencies, etc) but everything else must be prioritized. If you want a new TV first, you should add up how much you are saving now for all this other stuff ($325/month). Save it for 2 months and you can buy a TV for $650 in 2 months instead of a year. If you then want a vacation do the same thing for however many months it takes. This way you are always reaching small milestones. This approach works for cars as well. If you want it bad enough you will save every penny you can find until you have all the cash for it. For the smaller expenses (that cute little thing in the mall) just use the envelope method. When the "mall envelope" is empty you are done for the month. My husband and I give every dollar a name on paper before it reaches our account (budget). This way we know how we will spend our money before it comes (bills included). It is partly a mental thing because it is like we've already decided to spend or not spend that particular week. Then we record everything we spend right on the budget (I never leave home without it). When it adds to our limit we stop spending. I hope this helps!