I think your approach would be consider conservative - you have classified 'extra money' would go towards non essential, but beneficial upgrades to infrastructure, rather than to enjoying a night of partying.
And I ask the question as a way to tease out some commonly-held beliefs about money, so we can observe the origin of the information that lead to these beliefs.
In contrast, what would happen if you classified 'extra money' as an asset that could work for you on your behalf? What if that little bit of extra money were a small raise at your job, or the achievement of earning a little extra monthly income from your blog?
The what would happen if - I saved that money and put it to work for me for the rest of my life - is one of the ideas that we don't focus on enough. We don't complete the mathematics to imagine WITH CLARITY how much of a difference that perspective change could have. We don't take the time to bask in the achievement of these long term goals while taking the small steps with 'a little extra money'.
But we should.
The micro-investments we focus on today, and tomorrow - will become tomorrows success and achievement. And by thinking about that future success and feeling the achievement NOW - it becomes easy, in fact it become second nature to feel good about saving and investing.
RE: What would you do if you had ‘a little extra money’?