Which is better?
It's overspending. You gotta love the thrill of the needless purchase and that pang of buyer's remorse really let's you know that you're alive, y'know? Sure, I could have an ISA, a pension, a means of supporting myself when I'm 80. But I'd rather drink myself stupid and have that big, useless but opulently shiny thing in the shop window RIGHT NOW.
Reduce yourself. Are you an overspender or a budgeter?