I don't earn a lot of money, and I am not the kind of person who ever will. I do save my money responsibly, and never spend more than I can afford. If there is something I want to spend a lot of money on, then I will make sure to save up.
I believe I have a healthy relationship with money. I usually try to adhere to the golden rule of spend less than what you earn. I never intend to live on credit. But i do have occasional lapses when I engage in extensive shopping sprees. Otherwise I am quite good with money. After all it is quite hard to earn money so why waste it.
I let it build up in the background by way of regular $20/fortnight deductions from my pay. By the time it reaches around $5000 I usually find a family member or friend that needs it. Then I'll purchase something for them. My big buys so far have been 2 x 2nd hand cars, one for a friend in need and one for my 2nd cousin who had to rely on his mother driving him to his jobs.