If u cant discipline yourself, i think its better to tell ur bank to deduct a certain percentage of ur income directly to your savings account. So every month, there will be a standing instruction to automatically deduct say 10% of ur income directly to ASB. I think its better than letting the banks swallow your money through ASB loan.

Personally though, I look forward to put more money into my investment account myself..Because u get the feeling like you're paying yourself and putting more money for urself.. everytime i put more money in my asb i feel like i am getting richer. I dont feel like I am depriving myself..but that is just my way of thinking.