I'm the same as you. Even if I want something and can afford it, I will hold back longer than necessary. Sometimes I just don't end up buying the thing, and I'm fine.
It's much easier to justify practical purchases, or just save the money. I think this comes from living with financial struggles and wanting to be prepared.
I don't think there's anything wrong with it, and it may be beneficial to be frugal and picky about your spending. Clearly it's working if your budget is planned and in action. Just remember it's ok to treat yourself once in a while and enjoy it.
Pretty well I'd say. The levels felt similar to Remnant 2. Combat, too. The class and "gift" system gives a lot of customizability that I didn't fully embrace due to bonk build, but I think there's a lot of replayability with different styles. Besides anime aesthetics it has a lot of story which you may love or hate. Most bosses were solid though it's possible to over-level or rely on your optional ally to make it too easy sometimes. Overall I'd give it around 7/10, definitely worth a play if it's on sale.