Are you a money saver or waster?

Spending money wisely is part science, part art. Best case scenario, the ideal spender saves money off the top, covers his or her basic needs, stays out of debt, gives generously to charity and gets real pleasure from planned, prudent purchases.

Based on the nation’s rising consumer debt load, that isn’t the case for many of us. Spenders can be out of control in countless ways. Some just fail to pay attention. The miserly are at war with their money. Others spend in hopes of finding self-esteem.

I'm more of a money saver person. It is important to be smart with your money. Don't take it for granted and make sure you can afford the things you want - when you want them. I don't buy things that I don't need. I'm also organized especially when it comes to money. I'll make sure I keep track on all of our expenses.

How about you?? Are you a money saver or waster?