In game, my husband buys everything he needs. If he sees a weapon he likes, he buys it. If he wants to improve his weapons or armor right now, he just buys his ingots/ore from the smithy. If he needs potions, he finds the nearest Apothecary, etc.
In real life he's a complete tightwad. Doesn't want to spend money on anything and expects me to spend days finding the best deal/sale on everything.
In game, I don't spend any money at all. If I don't have what I need, I wait until I find it because you can find everything you need in the wild.
In real life I don't have a problem spending money on something I want. I'm not a big shopper and rarely spend money, but when I do I don't regret it or feel guilty....
I find it so odd that our play styles are the exact opposite of our RL play styles......