Lady Gaga never spends any money.

The 'Marry the Night' singer loves splashing cash on her tours and sets but rarely buys things for herself with her earnings, with even her manager questioning if she has lost her credit cards.

She said: "I didn't get into this business for the money so I don't spend a thing, but I am so happy. I am not bankrupt. Actually I spend no money at all.

"It's really funny because my manager often calls me and is like, 'Did you lose your credit card? Did you cut it up? Did you lose it?'

"He is like, 'Why don't you spend any money?' It's because I don't. I have not gone crazy."

The 26-year-old pop superstar even continues to live in a one-bedroom flat she has had in New York since before she became famous.

She added in a US interview: "I live in the same apartment as I did six years ago and the bedroom is about the size of a small radio studio with the kitchen about four feet away."

However, her thriftiness may have to end soon as she was recently reported to be keen on starting a family with her boyfriend Taylor Kinney.

An insider said: "She's already doodling baby names on scraps of paper. She's been bragging about how beautiful their children will be because Taylor is so handsome.

"She wants everything with him - love, marriage and a family. But she's set on becoming a mother before they think about anything else and she's talking about giving birth in the next year."