I'm usually always loaded when I get to the next city of a game. I hit the stores in the order: Skills/Magic>Weapons>Armor>Items. And I usually buy my items 20 at a time. So I'm pretty much broke by the time I leave for the next dungeon.

And I'm not really to stingy with rare items like Somas/Megalixers. If we're about to die and I've got a Soma/Megalixers to save our asses I'm throwing it. And of course during the final boss where there is no point in saving it, I chuck my items crazily.