Are you a penny-pincher or a big spender?
I
am more of a penny-pincher because for so many years I did not have the option
of spending money on more than basic essentials. I know that problems may arise (the car stops
working, the pipes break, things have to be replaced . . . ) that I would like
to afford at the time it happens and not take out a loan so that I end up
paying two to three times as much. Once
in a while I will splurge for something, but it’s rare.
