FAButzke: Not to mention the worst of all items to hoard:
Potions...
*I'll need it later. I'm sure of it.*
bazilisek: "Oh, sure, I have a resist fire potion here and this is clearly a fire-breathing dragon, but I'm sure I'm going to run into something much worse and very fiery later."
Guilty as charged.
Also known as the "it's too awesome to use" syndrome :D
I am cheap but in a different way. I am playing Dungeon Crawl Stone Soup heavily these days and I'll do things such as:
Scroll of Acquirement scumming where I save the game before I use the scroll and copy the save to a different folder and reload until I get something that satisfies me.
Mutation scumming where I'll drink potions of mutation and reload until I only get the good mutations like being able to teleport short distances, spit fire and/or poison etc. etc.
As fas as money in games goes, my hoarding or spending thereof depends on the game. If it's a hack and slash along the lines of Sacred then I go on shopping sprees, if it's a real RPG then there is some hoarding going on when I need to buy 99 of every healing potion in the land...
PMIK: This is like a group therapy session. You're all pathetic!
Okay, my worst habit is with enchanted weapons in elder scrolls games. I'll have a stack of super-powerful enchanted weapons but I don't want to use up their charges so I keep hacking away with "Crude rusty iron longsword" instead.
AFAIK, most of those weapons can be recharged if you have a decent Enchanting skill, a few gems, and some spare daedra.