Pross
Guru
Yes, I meant spendthrift. Your example sums it up. For you it is buying (or not) a new car. For my Dad it is contemplating a box of French Fancies so he can treat himself to one with a cuppa. As an aside, are they half the size of what they were or is my memory fading? 🤔
For Brian, my Dad already had the layers on and was still cold.
But a spendthrift is the opposite of what you describe "a person who spends improvidently or wastefully"