I'm one of those no-risk career savers. I'm weird, I hate debt. I pay for everything up front. All the goods in the house, car, van, mortgage. Always have the tax money saved, though it was a tough one this year having just bought the van and won't feel the benefit till next time I pay.because they cant pay their HMRC bill.
If I can't afford stuff, especially luxuries, then I save up till I can. The naff grey windows can wait till next year.