I am more of a saver - being that I am a full time student living on my own and work full time also. My budget is tight but reasonably so. I can't run out and buy the latest stuff. I save my money for the "just-in-case-something-happens" situation. I don't live with the parents anymore, so I am on my own and saving money is the wisest thing to do, I think. Until I graduate with a great nursing job somewhere in the U.S., then I won't be so conscious about money. But for the time being, I have to be conscious about what I spend my money on. Not being cheap - I am being reasonable and conscious. If ANY one of you live by yourself and you're a student working full time, then you would understand.