I hate to spend money even though I have it. My problem is that I got into some financial trouble a while ago so I went from being a wastrel to being thrifty. I know that in reality I can spend kind of in the middle, but I spend like a broke ass college student.

I also don't use a CC so I can't float things like I used to (i.e. budget myself and pay the card off at the end of the month)