So, this is why I want to sort out my finances, so I'm not putting my hobbies before my original and sensible plans of making sure I have a decent pension and no mortgage in my old age. Anything left over after that will be money for toys; which is better than my current cycle of spending money on toys and not actually saving up for the house improvements or anything sensible. I know this is a phase and I know it's going to change soon, but I guess I just want to make sure I'm not committing myself to a boring life with my plans for the future without living while I'm young enough to enjoy it fully :)
Other people don't seem to have these issues - or if they do they don't seem to talk about them much. So, how do other people view these sorts of things?