You only get one life,
And while it might be financially smart to live like a monk now and save up for that beautiful life later, But one day someone might tell you "Watch that Bus!" and if all you can say is "What Bus?!" <Splat>
you will have wanted to spend some of that money sooner, Also like Chastity Pledges, Pledges to save will break. and when they do you will make bad choices,
So instead Budget for fun and Budget liberally, but save the rest and have fun.