If you can do all this, you should realize you're much better off than most people.
Yeah and that is the hard part of it.
And I guess it's boils down on need vs want. Because this is one of the most difficult decision to do in terms of your money. You can right everything down and says that you are not going to buy things, nevertheless if you do out and see items like clothes or something, then before you buy it, you have to think if you really need it or just want a new clothes.
As far as emergency fund, there are books that says at least 6 months, so that's what I do, 6 months of buckets save and I'm not touching it unless it is really very important.