Treat yourself right, but do not overindulge for too long. Bad habits form fast.It’s healthy to treat yourself right, but if you overindulge for too long, you will run the risk of getting behind on your finances, going over budget, or developing some unhealthy habits. It’s time to start creating some rules for yourself — and sticking to them! Cutting back here and there doesn’t have to be painful. Bring your lunch with you more often. Wash your car yourself. Avoid the mall for a while. You won’t have trouble finding other things to do.