I'd say I'm easy-go-lucky person...
When I saw something cool, I'd be like, "Oh, that's cool," and then check my wallet to see if I have the amount needed to purchase the stuff I want.
If I have the money, then I'll buy it. If not, then I'll find a way to buy it (if I badly want to buy that cool stuff I saw.) That's basically how my decision-making works when it comes to finance.
Now that I've realized that I'm getting older and have enjoyed life enough. I believe this is now the time to think of something for the future.