In one of our recent discussions, Bart and I worked out five groups of spenders:
Misers: Only the cheapest of everything will do.
Prudent Spenders: Spend necessarily. Extra costs must be justifiable. Luxuries are carefully thought out and must not cost too much.
Regular Spenders: Spend necessarily with no qualms about the occasional luxury. Don't mind paying a bit extra if it's still reasonable and more convenient.
Big Spenders: Spend lavishly but expenses are still within their means.
Debtors: Spend excessively i.e. always in the red.
The above is now formally known as "Angie & Bart's Classification of Spenders" :-)
Which are you?