I did find it quite tough for a lot of years to treat myself, as I would try to save as much as I can to have a safety net. But even now with a safety net in the bank, I still have in the back of my head if I purchase something that is x mortgage payments, and I could save that instead to have in the bank in case I lose my job.
My mortgage is around 6% of my gross, and just under 10% of my net and I feel that's high / stressful to me. I want to get it paid off ASAP.