I don't have a premium membership... I have thought about upgrading but really not sure the weekly stipend would be enough for me (the way I love to shop) LOL. I may, one day, decide to go that route... but for now I just purchase L$ when I need them and I have my own home already.
Oh, and I do treat her to the best SL has to offer.... of course, I am always looking for more places to spend my L$. >.<