Usually I am both. Sometimes I am neither.
Just over a year ago our bishop encouraged us to track our expenses for a month. Finally, this September, I started doing it. September and October were both great – I found that when I tracked my expenses I spent less, and I have to admit I was feeling a wee bit smug at my mad budgeting and saving skillz.
But then November hit, and all the shtuff (necessities, really) I was so proud of myself for not buying during September and October has had to become part of this month’s budget. If I average the three months together, I’ll probably have a much more realistic picture of what I normally spend.