A person who plans things is often referred to as a planner. Depending on the context, they could also be called an organizer, strategist, or coordinator. These individuals typically focus on setting goals, outlining steps to achieve them, and managing resources effectively.
Action, Outcome, Goals, Objectives
Punctual. Employed.
Sole Proprietor.
stakeholder
A budget is a plan about how to spend money. There are also plans about many other things, such as plans to entertain yourself for the evening, plans for self improvement, plans to invade other countries, and so forth. It could be argued that all these other plans also involve spending money, but that is not necessarily the case (my entertainment for the evening could involve reading a book that I already own or that I borrowed from the library at no cost to myself) and even if my plans do involve spending money, it matters whether the main purpose of the plan is to figure out how best to spend my money (in which case the plan is a budget) or whether the main purpose of the plan is something else (in which case it isn't a budget).
The navigator.
an architect designs a building
A person who makes of
collecter
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Architect.
A person who looks on the gloomy side of things is pessimistic.
A person who builds things out of stone is called a stonemason or a stoneworker.
A person who hoards things that you have would be called..."you." Or whatever your name is.
You could call them generous or a recipient or a patron.
An idiot.
Smart