All the stimulation you've been adding to your life has been great, but the cost of those experiences is adding up to create quite a sum total on your credit card statement! It's time to add some more bulk to your rapidly dwindling rainy day fund! Put together a budget that's a little bit painful: force yourself to go without a few indulgences for a while, and you might be able to enjoy a much bigger one later. Delayed gratification isn't always fun, but it is always worth it.