I'm a little bit of both- but i NEVER buy things i do not have money to spare on. I ALWAYS make it a habit each time i cash my paycheck to immediately put some in savings (PayYourselfFirst) so i won't be tempted to spend it. Then i sort out what i need for the week - gas, groceries, pet supplies, bills, things like that. If i have any left over- that is my spending money- so that's what i use if i want to treat myself. My system works for me
Colin is also a big saver as well- we want to do our best to keep ourselves out of debt and in good financial standings. It's really important to me- i saw my mom and aunt struggle as single mom's our whole lives. It's a hard life but they did the best they could. My mom busted her butt to put me in private school and get me a good education. So being a wise steward of my money to me is very important. I'm saving up to start my own flower shop
Budget is my middle name. I ALWAYS stick to my budget, well- when I was on unemployment anyways, now that I have a job... it might be a different story
But until I get my 1st paycheck- I'm on a budget!!
I try to budget for the most part.But, if there is something that we need or want and it wasn't in the budget, then I throw caution to the wind and go for it.