Spurs would fit into the first bracket for me. They are clear to the managers about the limits of the clubs finances, but they are fully backed within that. They extract the absolute maximum value out of any sale, which ensures that they only lose players when there really is no other choice.
Chelsea are an odd one. They certainly used to be in that first group, but in recent years they have changed their approach quite a bit. It seems to be a direct result of Abramovich taking a back seat, and the club consequently needing to tighten belts.