Penny Wise, Pound Foolish

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A penny is a small amount of money and a pound is a larger amount. "Penny-wise, pound-foolish" is to be cautious (wise) with small amounts of money but wasteful (foolish) with larger amounts. Example: "We've worked so hard to save money that if we took a vacation now it would be penny-wise, pound-foolish." People sometimes worry about spending small amounts of money; then they carelessly spend much larger amounts. Example: "He spends very little on food during the week, then blows all his money drinking on the weekends. He really is penny-wise, pound-foolish.

Source: http://www.goenglish.com

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Are you Penny Wise and Pound Foolish? Or vice versa? Is it possible to be both penny and pound wise? Anyway, being "Penny Wise and Pound Foolish" is something which I should guard against.