I am sure you have stuff you wanna buy tomorrow and you like going out. You should set up a plant that takes that into account. Say you have a long-term plan. If you are short on cash in your everyday life because of this, you have to think. What are the options?
- Get a new job that's better paid?
- Cut some expenses?
- Change the savings plan?
I'd postpone the savings plan until I have figured out what to do, at least partially. If my job today isn't cutting it, and if I don't have any other extremely good reasons to stay, I will look for another job. I put priority on this. At the same time, I'd look for expenses to cut.. Can I find a cheaper grocery store? Save on gas? Electricity? Stuff like that. Then, if this fails (both job and expense cutting): change the savings plan (and get more agressive at saving when you have the better-paid job)!