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Discussion Boards => Off-Topic => Topic started by: camellia0 on February 06, 2018, 05:03:19 am

Title: Are you a saver or a spender?
Post by: camellia0 on February 06, 2018, 05:03:19 am
I am becoming a saver now. I try not to keep extra cash in the house.
Title: Re: Are you a saver or a spender?
Post by: Nancy5 on February 06, 2018, 05:19:06 am
Honestly, I’m a spender.  My husband is more of a saver, which has caused some problems, but we work through them.
Title: Re: Are you a saver or a spender?
Post by: bretay on February 06, 2018, 05:34:30 am
a little of both i guess..more of a saver
Title: Re: Are you a saver or a spender?
Post by: dwggs on February 06, 2018, 06:00:19 am
I'm a saver.   When I see something I really really want, I save up my PTC money until I can get it.  My hubby is a spender .. money grows on trees.  I call him the spoiled little rich kid.  He got the spending thing from his mom.
Title: Re: Are you a saver or a spender?
Post by: sak4kat on February 06, 2018, 06:00:33 am
A little bit of both.  More of a saver though.  I make sure bills are paid.  Then I save.  I save so I can later spend - or in the event of an emergency I don't have to borrow.  Dave Ramseys financial peace on youtube has taught me a ton - self discipline was the easy part as I've leaved the beans and rice rice and beans way for years.... It was the  generating enough income that was a struggle for a while.
Title: Re: Are you a saver or a spender?
Post by: ccandpam on February 06, 2018, 06:20:58 am
I'm a little of both as well. I know that my bills come first and what is left over I will save or if there is something that I have been wanting for a while and I have enough money, then I will buy it. :)
Title: Re: Are you a saver or a spender?
Post by: teresa3200 on February 06, 2018, 07:08:31 am
I'm both, I try to put away a percentage of all of our income, but it keeps coming back out because I find something I can't live without.
Title: Re: Are you a saver or a spender?
Post by: bshee58 on February 06, 2018, 07:16:18 am
I am a very much of a saver, I don't spend as much as some people, I'm cheap, but cautious on what to spend money on, if I don't need it, then I won't get it.
Title: Re: Are you a saver or a spender?
Post by: articx on February 06, 2018, 07:18:17 am
I am a saver. Maybe I'm a little bit of a spender too.
Title: Re: Are you a saver or a spender?
Post by: jkhanson on February 06, 2018, 07:29:43 am
I am not much of a spender.  I really don't like shopping.  Or maybe it is I don't like spending money.  Either way, I spend as little as possible.
Title: Re: Are you a saver or a spender?
Post by: elvisdo on February 06, 2018, 07:32:14 am
I try to be a saver as best as I can.
Title: Re: Are you a saver or a spender?
Post by: JaniceSW on February 06, 2018, 07:42:00 am
When I was much younger I was definitely more of a spender because I really enjoyed shopping.  However, I rarely went overboard.  Somewhere around the ages of 45-50, I became a saver.  I think I was looking forward and decided it was time to get some money in savings and investments.  Well, thank goodness I did because I would be in real trouble now.  And it's not that I saved nearly enough!
Title: Re: Are you a saver or a spender?
Post by: ghunter on February 06, 2018, 07:43:46 am
I am a saver, and I am trying to get my husband to become a saver
Title: Re: Are you a saver or a spender?
Post by: teenangel on February 06, 2018, 11:44:46 am
i am a spender
Title: Re: Are you a saver or a spender?
Post by: vg7405 on February 06, 2018, 12:08:47 pm
I am a little of both. With the New Year, however, I am trying desperately to tip the scales in favor being an ardent saver.
Title: Re: Are you a saver or a spender?
Post by: dsosnowski06 on February 06, 2018, 08:43:47 pm
I am becoming a saver now. I try not to keep extra cash in the house.

I am doing the same thing and having no cash in the house and only using my debit card when I go out.  I leave my credit cards at home now and seem to be saving more.
Title: Re: Are you a saver or a spender?
Post by: jwkelly on February 07, 2018, 03:01:20 am
I save what I need to save( I'm responsible to a fault) and I have fun with what's extra. The difference between a good life and a bad one is being responsible for yourself ,life,finances.
Title: Re: Are you a saver or a spender?
Post by: judylucas on February 07, 2018, 03:14:09 am
I hate to shop so I'm a saver
Title: Re: Are you a saver or a spender?
Post by: muush88 on February 07, 2018, 05:19:55 am
im a saver
Title: Re: Are you a saver or a spender?
Post by: rghvac69 on February 07, 2018, 05:47:40 am
I'm a saver. I hate spending money on unneccessary things.
Title: Re: Are you a saver or a spender?
Post by: dogsleash on February 07, 2018, 07:20:22 am
wish i coud save but need to make more money before i can
Title: Re: Are you a saver or a spender?
Post by: bremer51 on February 07, 2018, 07:31:56 am
I'm a saver with occasions of unbridled spending...not often, but every so often.
Title: Re: Are you a saver or a spender?
Post by: froggylover227 on February 07, 2018, 10:09:00 am
I'm a spender, but I know the importance of saving. Me and my husband are trying to save for our daughter who is going to be born in 3 months, but it's hard. Between unexpected bills, this that and the other thing, our good intentions are often thwarted. I think it's important to save for certain things, but I don't think you need to hoard every penny of every paycheck. My parents always taught me and my sisters that memories matter more than material things, and I follow that philosophy as much as a I can. I would rather spend $100 for a day of fun with my husband (and soon-to-be daughter) than stay at home, sit on the couch, watch T.V., and put the $100 into a savings account for nothing in particular. I'm all for having an emergency fund, and saving for big things like college, a new car, a house, etc. But other than that, I live to make memories, because I know I will cherish them forever.
Title: Re: Are you a saver or a spender?
Post by: adriarobi on February 07, 2018, 12:29:00 pm
I am low income. I save so I can spend on what I need.

Every real purchase is the culmination of a saving plan.

 :rose:
Title: Re: Are you a saver or a spender?
Post by: Cbsteffen on February 07, 2018, 07:17:01 pm
I try to be more of a saver.
Title: Re: Are you a saver or a spender?
Post by: annadote on February 07, 2018, 07:19:45 pm
I'm a pretty frugal person. It used to be almost to the point where I was borderline miser. But now I am getting a little more comfortable with spending money occasionally on something that is not necessary.
Title: Re: Are you a saver or a spender?
Post by: nmbrown863 on February 07, 2018, 10:04:54 pm
I am a saver. My husband actually has to get on me because I hate buying things unless it is necessary.
Title: Re: Are you a saver or a spender?
Post by: Timely214 on February 07, 2018, 11:51:58 pm
Paying it forward was suggested to me and it really stuck for months....may go back to that soon.
Title: Re: Are you a saver or a spender?
Post by: mgint on February 08, 2018, 06:25:41 am
kinda in he middle but majority im a saver
Title: Re: Are you a saver or a spender?
Post by: thoughtparticles on February 08, 2018, 06:35:14 am
I'm a mixture of both. Typically, I'm cautious about spending on "larger" items, but sometimes I'll just get it in my head to buy something and do it... providing the funds are there.
Title: Re: Are you a saver or a spender?
Post by: pectacon on February 08, 2018, 09:23:53 am
I'm a little more of a saver. I'm not above treating myself now and then, but I'm very cheap about it. Any time I spend a few dollars I agonize that I should've saved it instead  :P
Title: Re: Are you a saver or a spender?
Post by: Azanne07 on February 08, 2018, 12:02:46 pm
I am not very good at all with saving my money. althou money is tight and we usually don't have any money left after we get everything that we do need.
Title: Re: Are you a saver or a spender?
Post by: dreamyxo on February 09, 2018, 12:07:41 am
Saver.
Title: Re: Are you a saver or a spender?
Post by: Skyisbluetoday on February 09, 2018, 04:40:31 am
I'm more of a saver. I do have spending spree's. I love to shop and get new stuff. If I'm short or feel pinched I stop spending on things I don't have to have at the moment, only spend on the things that I have to have!  :thumbsup: :)
Title: Re: Are you a saver or a spender?
Post by: yikes77 on February 09, 2018, 05:43:45 am
Much more of a saver.  When I spend I make sure I have more than enough money to justify the spending.
Title: Re: Are you a saver or a spender?
Post by: killers2 on February 09, 2018, 09:09:38 am
Trying to become a saver!  it is really tough to not buy food! lol
Title: Re: Are you a saver or a spender?
Post by: alarisracing on February 09, 2018, 04:00:03 pm
Depends if I want to splurge on something or save for something.
Title: Re: Are you a saver or a spender?
Post by: plennis on February 10, 2018, 09:43:00 am
I would like to be more of a saver,  but money is so tight.  I use coupons foe EVERYTHING and do lots of little extra jobs like FC.  Maybe I will be able to someday.  I d put a small amount aside every month for the holiday season.
Title: Re: Are you a saver or a spender?
Post by: baozun on February 10, 2018, 12:50:15 pm
We all have housing, food, utilities, and other bills - thus we are all spenders right out of the gate.
One teacher told us "pay yourself first" - think of the savings account as one more bill that requires a monthly contribution; don't save whatever is left over after discretionary spending.
I was raised to be an ardent saver; I piled up quite a lot of money in my savings account and then foolishly spent half of it... still kind of upset about that... but the remaining half is going into investments now.  I wish I had all of it in stocks from the beginning - I would have made a lot more in dividends and capital gains than I made in savings account interest!
Title: Re: Are you a saver or a spender?
Post by: hawkeye3210 on February 11, 2018, 07:01:37 am
I'm a saver.
Title: Re: Are you a saver or a spender?
Post by: mardukblood2009 on February 11, 2018, 08:53:45 pm
I only buy things or spend money on Music or seeing my girlfriend all my other money I save because you never know if something is going to come up. :-\
Title: Re: Are you a saver or a spender?
Post by: s34g35j on February 11, 2018, 10:22:40 pm
i am both  :moneymouth:
Title: Re: Are you a saver or a spender?
Post by: shawnix on February 12, 2018, 06:37:38 pm
I've always been a spender, but these days I am learning to be more of a saver.
Title: Re: Are you a saver or a spender?
Post by: bleyd on February 13, 2018, 05:33:22 pm
I'm more of a saver. I spend stuff that I really enjoy..like traveling or eating and I like seeing my bank accounts go up.
Title: Re: Are you a saver or a spender?
Post by: ljrjess69 on February 14, 2018, 07:16:40 pm
usually a saver,,but ive been spending some