I know this is really stupid and the initial quality of some of the code i write is really low but when I am just making things for fun its kind of like freestyle rap to me so 0% planning 100% coding.
http://i.crowdfunded.it is an example of this.
http://i.crowdfunded.it is an example of this.
Also I think that using the right tool to plan is very important. The right tool must be something that fits into your routine and thinking more cognitively and intuitively than conceptually.