I’m going to be brutally honest here, I am a complete penny pincher and am ruthless when it comes to my budget. As a follower of Dave Ramsey, I believe in setting a written budget and sticking to it. I pay cash for *almost* everything and if I don’t have enough cash to buy something I will have to make cuts to other budget areas or else wait it out. I was always very thrifty even before I switched to Dave Ramsey’s all cash formula, but it really does change the way you spend when you have give away those beautiful bills.