Are you a wise spender?

I use my card to book my plane tickets to have a discount. Since I started to have one, I only use it thrice for shopping. I always use cash to shop. One thing is, I only buy what I need and not what I see that is on sale. I can proudly say that I am a wise spender. I spend for things I need no matter what is the price because it is budgeted. I think managing my resources properly contributed a lot to being a wise spender. Projecting things to be bought, places to go and allot a specific amount for it seems to do me good. I never give to sale items that are not in my list of things to buy even if they are very attractive.

I'm an impulsive buyer. I buy on impulse. Even if I have a budget, I give myself loads of reasons why I shouldn't buy it, but I still do. haha. I think it's a sickness already!

Hi there Andyvil I am not really very good with money, if I have some 'spare' I will spend it but it's not usually on myself, my kids normally benefit from it. There have been times when I have had to take a calculator to the supermarket with me because I only had so much money on me and could not overspend as I had no more money. I recently has some good luck with money and spent some of it but put the rest in the bank where it is out of sight out of mind, hopefully and I will try not to spend it! hahahaha

I try to be, but honestly I do not think I am. Money is still very tight and I do everything I can to help bring home extra money. But with the cost of food and going to Wal-Mart to buy it, it's crazy! I love Wal-Mart, but I hate going there because they get most of our money.

i now am a wise spender used to when they were not cutting my hours at work and i was making more than enough money to get by taking care of me and my small farm i used to spend alot of leisure items and take long road trips up to the mountains and i used to go out to eat alot but then they cut hours in half at work and i am not making less than half of what i used to i have had to severely cut back on my spending no more long road trips (cant afford gas) and no more going out to eat spending is a hard habit to break i think it is just as hard and deadly as any addiction

Hi Andyvil I am a wise spender too when I am out I don't think of anything. The thing I want I buy that instead of giving about the money thought because it gives happiness to me. And I have the bad habit of always buying the good quality thing I do not like cheap products. But sometimes cheap products are also good. Some cheap products are more good than the high priced products.

I think I'm a wise spender regarding credit cards. I treat them as debit cards, entering purchases in my checking account register just as I would a debit purchase. When the bill comes I add those expenses up and treat them as a deposit. Then I write the check to pay the bill. This way I always know how much money I really have in the bank. I pay off my card in full every month and earn cash back on my purchases so they are actually paying me to use the card and they earn nothing from me.

Yes, I believe I am a wise spender. Although I love to shop I shop wisely. I don't just buy things if I don't need them. I always have a list and will not go beyond my budget. also, I don't buy very expensive items. I'd rather just take advantage of the SALE most of the time. I also don't ever spend for very expensive items like Hermes bag and all. I have few signature items but those are just gifts from my husband and from my husband. I always believe that there is not much in the brand. If I could get cheaper brand of one with good design and color then why not. For as long as the item does not look cheap, I will always go for it.

I really want to save more and more but it is really hard sometimes. I am trying to control myself from spending too much but there are times that i become a compulsive buyer. Saving is hard for me but i always make an effort to save a lot. I am using card for tracking my expenses also but sometimes i ignore it. lol gosh, i really have a hard time saving.

I am now a wise spender, but only because I was really really stupid before. Like you I had an "OH WOW!" moment when I discovered how much I was spending on stupid things. I discovered I spent 18% of my monthly income on carbonated drinks. Specifically Coke. It amounted to roughly $4,000 USD a year. Now I drink ice tea. About $40 a year. Ever since then, I do a budget every month, and track how much I spend on absolutely everything. And now I have MONEY IN THE BANK! Oh yeah! Loving having money. It's a good feeling.

If I go out for shopping then I really need to shop something even if of a very low price. If I don't have money at all, I simply do not go out for shopping. But when I have money, I must restrain myself to what I really need. I think twice or even more before buying things. Shopping is a very pleasant way of spending time and money but I know how to be within the money possibilities.

I was a compulsive shopper before. But i learned my lesson after having a big amount in credit debt. Now, i only buy through credit card when it is for a big appliance or a big material, which i could pay in full after a month. That way, i don't have to pay for too many charges.

i am college-goer now, so in addition to the tuition, i have a monthly payment for my telephone fee, transportation fare, dining fee and put aside some for rainy day. so a clever spender is necessary, less money for more comfortable life on campus.

well i wont say that im wise spender .. but the person who will be staying with me would definately say this .. the reason is that sometimes i spend money so wisely ,, but still i dont say my self wise because sometimes your budget is too low and you have to do shopping according to it . so thatsywhy i would say myself intelligent spender rather than wise spender ,, laughing out loud ..

I am in-between. Mind you I use my card for everything but I find that sometimes I am very careful, but sometimes I go on a spending spree. The latter usually happens as I buy something that I need like getting the TV fixed and then because I fixed it, the furnace starts to leak. It could be anything. If it were because I bought the whole set of dvds for whatever show I like, ti would be a different story. I can accept that, but things going wrong because I repaired one thing is bad and also if I decide to upgrade the house or fix things, I feel that well anyone else can budget for repairs and are not made to feel guilty. Then I start to spend.

I think I am. Before I had a car, I can manage to save up even on my small income. But when I got my car, bye bye savings! All my money pretty much goes to my gas money. So I started commuting again so I can save a little. I don't really consider myself a compulsive shopper, although sometimes I slip up and buy the things that I really, really like.

hi, yes, i can say that i am a wise spender,because even i have money i will never buy things that it will not help me so much or not needed so much,i always think to save my money rather than to spend it.i actually hate to bring big amount of money that will sometimes push me to buy something i dont need.

In the past, I haven't been a wise spender. Now I am forced to be a more wise. My husband lost his job in 2008 and I also didn't work. After that happened we are slowly pulling ourselves out of credit card debt. My husband is working somewhere else making better money now. We were able to have a small savings to help with emergency repairs, which we had to dip into this month.

I think I am a wise spender.When I go to groceries to buy I only buy things I need.Also when I buy stuff on the mall I check first if there are cheaper alternatives before I buy.If there are cheaper brands I go for them,but I still consider quality..