This may be a bit offtopic, but you are doing the right thing. DO NOT SAVE, at least when you are that age. I used to have this habit of saving, and by the time I finished my 12th, I had like 8k in my account! And within three weeks I made another 8k. I felt so cheated that I had avoided spending during all my younger days, I stamped my foot and kicked the dog in the nuts.