CBQ#148
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.