Well, I'm not cheap by any means. I buy what I want when I can afford it and it fits the budgets I make for myself but I rarely live beyond my means when it comes to purchases. It also helps to make a savings goal for the year and to also break it down into quarterly goals as well. I have a minimum I put into my savings a month after I pay bills, rent, groceries, etc and whatever is left over is my "free spending" money but that varies because sometimes I go into saving mode and put more into them and also in my line of work my paychecks vary in amount.