Pre-lockdown I was spending around £800-1,000 per month. I always look for budget punts to maximize my VFM, getting around 10-12 punts, mostly full sex with a FBSM sessions.
I also cut costs in my daily life with cheap rent, VFM phone plan, avoid eating out, etc, so that I can divert this money towards punting. I am spending too much though, so I will need to correct my budget so that I can start saving for my future. But as J.Hendrix says, you can't take your money with you when you die, so it's a balance. There's no point to building a large retirement with sexless decades and hard work only to find your aged cock is now useless. I've already experienced some of this, and regret that I didn't punt a little bit during so many miserable sexless years in my 30s, back when my sexual prowess was at its peak and I could've had fuck marathons, easy double-pops in an hour and shoot massive facial cumshots.
One question is, how to budget? After seeing my bank account sputtering, I decided I would take out a lump sum of cash monthly, and would only use those funds for punting. This way I would have a physical limitation that would prevent me from overspending my allotted amount.
Another question could be, how many punts do you need, and what is the best way to satiate your needs on a budget? In a pinch, a wank can remove the urge, but it's not healthy for you, whereas sex is healthy both physically and mentally. I find that working out is a very healthy way to temporarily remove the urge, perhaps by releasing the sexual tension. So sometimes I wank or workout, and think to myself I just saved £70. Perhaps I should start a jar to move my saved funds to that. Hopefully I am still sexually active when I get older, and the money saved now will eventually be spent on punting and FBSM to have an enjoyable retirement when I'm aged.