If you see something you really want are you a buyer or a budgetter?

If I see something that I want, I will buy it if it does not cut us short of money. Most of the time I will save up money to pay cash for something we really want. If it is something that we do not really have to have then I will pass it by and save my money. I would rather pay cash for things instead of charging it. If I do charge it, i pay it right back the same month.

I'm a budgetter too thats why sometimes I'm blaming my self for it. When I'm going to a shoping mall to bought for some imprtant things that are very necessary to buy I sometimes look for what I want and of course my money is budgetted I will leave it and wish to come back some other day if I have a money to buy. But unfortunately when I came back it is already sold and start to feel regret and blame my self about it. But I dont have a choice it is sold already.

I guess I would be a little of both . I have a credit card that we have maxed out and I love to buy something when I see it but also have just walked away knowing that we can't afford it . If I feel that it will save us money somehow then I will buy it even if we can't really afford it at the time or if I feel we have a little extra money that month , then I will get it as well . In some cases this works because I do save the money on what I bought but on the other hand it doesn't help when we really can't afford it or when something unexpected comes up and we could have used the money better for this . I often buy gifts on sale so I have them when there is a birthday or something coming around and I know it will be hard to get the money and this way I have saved on what I would have normally paid for and it is a much nicer gift .

I'm definitely very much a budgeter. I saved up my earnings here at Mylot from February till May in order to buy a Rowing Machine I wanted. Knowing that I was working towards the rowing machine gave me the incentive I needed to keep going. I don't have the money to just splash out on things that I want. But I do like to save, knowing that I'm working towards something special. I find that you get more satisfaction from something knowing that you couldn't just splash out and get ti right away, as opposed to saving or budgeting for it.

i'm a budgetter/buyer mean i budget myself until i have enough money to get what i want lol kinda equals itself out lol

Hi, pilbara! This is a very interesting topic to me. Well, I was a buyer before. I buy unnecessary things without thinking carefully. As long as I feel that I like it, I will go and buy. Yes, I used credit cards and sometimes cash. I will only feel regret after I came home or when I received my shocking credit card statement (sounds like I never expect it :)) But after getting married, I became a budgetter :) I make sure I will do my budget carefully and consider every single aspect before I jump into the conclusion to buy or not to buy. I do need to consult my husband before I make any purchasing. I think I become wiser now on how to be a good buyer :)

i am more of a budgetter and wife is more of a spender... ohh i hope she will not see this lol.... in the high cost of living now a days i think everybody needs to spend wisely.

I am a budgeter. If it is something I really must have, I will figure it into my budget somehow. I rarely buy anything on the spot. I always go home and think about it. Unless of course it is a necessity of sorts. Usually if it's something frivolous that I thought I must have, after careful consideration, I usually end up not buying the item at all. I will think about my budget, etc and decide it is not really worth it.

If I have it, I will think on it and go from there; If not, I'll budget;

I used to be a buyer but now I am getting to be a budgetter more than a buyer now that we have the money lol. I thought that it was suppossed to work the other way around actually. When I don't have any money I can always come up with lots of things that I want to get. When I do have the money I can't seem to find anything to spend it on. Now that I have money coming in from babysitting I am trying to plan on what to get so that I don't go out and completley blow it and then discover, "Wow, I really should have saved it so that I could have gotten (insert random object)"

It depends on the amount of the item. Usually if it is $20 or less I am a buyer and I can finagle that money out of the budget to pay it off when the bill comes due. If it is over $20 I am definitely a budgetter. We have a very strict budget in our house and every cent we make goes to something, so I can't scrape up an extra $50 or so for an impulse buy.

Hey. Im quiet good when it comes to things like that, I see things that I want all the time, but most times I choose to ignore such wants and stick to what Im suppose to be shopping for... I refuse to own credit cards. Although I budget, if I really want something that bad, I buy it right there then, with cash... So you could say Im a bit of both...

I will usually wait and see if I can find it cheaper, in a thrift store or something before I will put myself in debt buying the item. I try to follow a strict budget, and I am not an impulse buyer, my husband is on the other hand, and that is why he does not carry a debit or credit card!

I think about it, weight the pros and cons...then figure it into a budget if I really need it or save for it. I don't use credit much. I figure if I can't pay cash I can't afford it.

Previously, i mean some years ago, i used to be a buyer and will not thinkg about budget, price etc. During that time, I used to buy almost anything that i like, i never thought twice during that time. I ended with lots of credits in my credit card and had to suffer a lot and I somehow got over it slowly and steadily. Now i have become a very big budgetter and will think twice before buying a product and will analyze it and will take time before buying it and will end up not buying most of the things now. Which i feel is the best way to go rather than being compulsive shopper.

im a buyer, but i should be a budgetter. lol because i want lots of things

I am also a budgeter. If I found something I would think whether I am able to afford it or not. But if I really wanted something I will save money a little per day until it is enough and then I will go and buy it. I do not believe in credit cards, I never have one. I only have a debit card just for the purpose of online transactions.

I'm both a buyer and a budgetter...If there is something I'd like to get..I do my research and try to find the item I'd like to get it for the lowest cost possible--for instance...I really needed a new pair of running shoes...the pair I had was quite literally going to fall apart...LOL--these shoes were Easy Spirits and were given to me as a gift--now I do happen to have a few "extra" bucks and thought...mmm...let me go to Footlocker..and of course, there they sell all the tops brands..Nike, Addidas, etc--well it shows you how long it's been since I bought running shoes (glorified sneakers to my thinking)-Yikes I couldn't believe the prices! I mean technically speaking I had the money but no way was I going to spend $80 for a pair of shoes! So a few doors down was a Payless shoe store and they had a buy one get one half off...I got two nice pairs of running shoes..all for $25.00--can't beat that... Then sometimes...not often I will splurge on myself on something that of course I probably could live without...not like I'm going to die without it...but same thing..will hunt around for the cheapest price...quite often on e-Bay, or Amazon.com--I don't have the woes of credit cards though--don't have any!!

I make sure my bills are paid, but unfortunately, there are times when I spend more than I should. When I have a credit card that works, I use it.