Life is too short to deny yourself pleasures small and large. You're often careless with your money in the pursuit of happiness, and you know full well you'll have to pay for it
eventually. Just remember, if you're not careful, you could end up drowning in debt, missing out on the fun, and regretting some of those reckless purchases.
You wouldn't call yourself
frugal, per se. You're not afraid to take risks and some debt in order to get what you want-- but you'll figure out a way to pay it off before it drags you too far down. As long as you can stay ahead of the game and keep your side hustle strong, you'll be ok -- but consider saving more in case you get slowed down unexpectedly.
The Banker: You've got your mind on your money (and your money on your mind). Your
frugal mindset and financial instincts are sharp: You know where every pound goes and why, and you're making steady progress toward your long-term goals, even if it means some frugal sacrifices here and there. Keep it up!
You don't pay much attention to your finances as long as your cards aren't declining. Ignorance may be bliss, but chances are you're not saving enough -- and that may not bother you now, but when you don't have enough savings for a house or to retire comfortably, you're going to wish you watched your spending a bit more carefully.