What do you spend and what do you hoard?

On most MMOs, my inventory is a sea of consumables. Every little boost I get -- stat boosts, healing items, resource items -- gets squirreled away to be used only when the situation is dire enough to warrant that item going away forever. The net result, of course, is that I have a level 5 stim on my level 55 character in Star Wars: The Old Republic, an item that saw its time come and go long before now.

By contrast, if I'm crafting, I go through crafting materials with abandon. There's no time to stop and think that I might use these Cotton Bolls in Final Fantasy XIV in a future recipe; I'm too busy turning all of them into thread. Which isn't exactly better, since I still wind up needing more of these things if they ever become relevant again.

I think everyone tends to hoard and spend differently, so today I'm asking how so. What do you spend and what do you hoard? Do you acquire huge piles of money but spend your tokens as soon as you can? Carefully measure out your class resources but go nuts with cooldowns? What are your thrifty habits and what habits... aren't?

TH

I tend to get loads of money because I never spend any in MMOs, always get everything the "hard" way. I loot everything as well and sell the junk. All the things that can be good for anything, I save. Even the things that I should sell and me specifically dont need I end of having aloads of them. If somebody need them I will give it to them and use the things I need but sell them? Nonono.