I recently retired so I'm frugal with my long and short term budgeting. I'm single with no financial commitments to burden me apart from day to day and regular bills / utilities etc. Not a big drinker and not a gambler so I'm in front. I did the majority of work on my projects whilst fully employed however in saying that I've only the trim and electrical left to do now. I'll do most of the work and only outsource what I'm unable to do, having previously purchased all the upholstery and wiring harness etc. All the little things are a PITA despite budget contingencies in advance. Cash is king, no borrowing of any funds!