I'm a huge dork about budgeting. I do budgets for friends and family. I love sitting down with their stuff and showing em how much they could be saving. Most people have no clue how much they're blowing.
Always Cash. I did my last set of tires on credit though. Interest free for 6 months. I've had em 6 weeks and will pay em off next wk. Was better than throwing it out all at once. Didn't realize I needed em yet so hadn't planned ahead. Had wires showing though