Are you a spender or a saver?

1. 89

   lindaceeposted 14 years ago

   Are you a spender or a saver?
   
   I was a spender, but am now a saver--was forced into that mode by the economy. It was just never in my nature to squirrel away money for a rainy day.
   
   

   replyreport
2. 60

   kcreeryposted 14 years ago

   Spender.  I like my credit card too much.  I've got to reign it in in 2011.

   replyreport
3. 60

   jobisterposted 14 years ago

   Saver! I consider being called a miser a compliment.

   replyreport
4. 70

   Leanne1783posted 14 years ago

   Spender definitely! I have tried to reign in it over the past few months but the temptation can be too high especially working in a city centre and the shops are on your doorstep.
   
   I think in this economy that people should save for a rainy day you don't know what the future will hold but at the same time make sure you enjoy yourself and follow dreams!

   replyreport
5. 55

   yenajeonposted 14 years ago

   I'm also a BIG time spender, which I really want to change. I need to save some money!

   replyreport
6. 71

   mirage erinposted 14 years ago

   spender unfortunately... and a very aspiring saver... i know very well how to do it, just like spending more i guess!

   replyreport
7. 60

   Right On Timeposted 14 years ago

   Saver and then spender.                                                                  .

   replyreport
8. 61

   Multiflavourposted 14 years ago

   predominantly a saver...but when it comes the right time (travel, health, holidays etc) I don't mind spending.
   
   So I am both but more leading towards saving. You can spend as long as you earn enough to spend but also save for future needs. Don't spend over your possibilities in any case.

   replyreport
9. 44

   cheapsk8chickposted 14 years ago

   Spender!  I *heart* shopping, and I *heart* my saver husband!

   replyreport
10. 62

    wingedcentaurposted 14 years ago

    I am a spender by natural inclination myself. I tend to spend what little money I make buying books, CDs, (and I stubbornly continue to buy cheap VHS cassettes), and audiobooks of all kinds.
    
    Yes, there is much merit to squirrling something away for a rainy day. I hear the ideal situation is that one should save six months worth of money for total expenses (rent, food, etc). One should give herself a six-month cushion.
    
    Yeah, that's the ideal anyway.....
    
    Take it easy.

    replyreport
11. 0

    Mr Tindleposted 14 years ago

    I do my share of spending, but I also save and invest too

    replyreport
12. 80

    rlleon42posted 14 years ago

    i tend to save as i go along and with the amount left-over, i like to reward myself, but to the core, a saver all the way. i think we all have our moments though, when price just doesn't matter and we splurge. at least, we should every once in a while.

    replyreport
13. 68

    Ultimate Hubberposted 14 years ago

    I am both!
    I save by not spending money on useless stuff and then I spend my saved money over my hobbies etc.

    replyreport
14. 61

    poojabrahmiposted 14 years ago

    After getting married I have become quite responsible so I treat myself as a saver... for the rainy day.
    But at the same time I plan my budget and do have fun shopping and dining out.

    replyreport
15. 91

    kannanwritesposted 14 years ago

    I consider my self as a responsible spender.

    replyreport
16. 0

    carburizedposted 14 years ago

    You need to be a saver but at the same time you need to spend where you have to. If you can get by without having to buy so be it. You do need new model every time it comes out. This works for me. Of course everybody have different habits.

    replyreport
17. 59

    gideonbankoleposted 14 years ago

    Basically both. I save, I spend. It's relative.

    replyreport
18. 76

    Parchesseyposted 14 years ago

    I am mostly a saver but I spend when the situation calls for it. I like nice things though so I can't spend money on those until I have saved for them. Plus my counterpart is more of a spender so we balance.

    replyreport
19. 38

    smurfzposted 14 years ago

    Definitely a spender.  You only live once so spend money and have a good time while you can.

    replyreport
20. 60

    HRogerposted 14 years ago

    I was really on a deep spending mode last year near the end of the year.  Now I simply try to save as much as I can. The economy is also not helping much

    replyreport
21. 60

    Ashantinaposted 14 years ago

    Was a serious spender.. but recently I'm kinda in between at the mo.. and drifting slowly towards the saver.. slowly..

    replyreport
22. 62

    kylekandrewposted 14 years ago

    I spend to save. Investing has became one of my favorite hobbies. Antiques and paintings are two of my favorite things to purchase cheap and resell.

    replyreport
23. 60

    Mark Upshawposted 14 years ago

    Your money does not work for you by standing on the sidelines.  It must be in play making more.  Spending is the only way to live.  Saving is a defensive thought pattern and no one wins a game with defense alone.  While it is often said that the best defense is a great offense.  Spender.

    replyreport
24. 58

    kdnseposted 14 years ago

    depends on the mood that I am in and what day that it is.

    replyreport
25. 74

    MattWritesStuffposted 14 years ago

    A saver. I ask the price of eeeeverything, and I poo-poo anything more than double digits.

    replyreport
26. 60

    phillymaxposted 14 years ago

    I am a habitual spender!! I am delusional about my money never running out, or that I will win the lottery, or someone will leave me in their will.....all to justify my addictive spending habits. I used to think I only spent money when I was depressed or lonely because it made me feel better. But that's really not it. I LOVE spending money. I figure, I'm not going to be around forever, so I may as well enjoy what money can buy right now. And I know, money can't buy happiness. Well, I may end up in the poor house but while I'm there I can reflect back on all the happiness money DID buy me!! lol.

    replyreport
27. 61

    Gary Rowellposted 14 years ago

    I love building income. I like to save then invest.

    replyreport
28. 60

    Jessica_Zposted 14 years ago

    Both, i save money to spend on what i want.

    replyreport
29. 60

    Lovesloveposted 14 years ago

    I am a shopaholic,I love clothes and never ever pass up a chance to go shopping BUT if I have a reason to save I can ,for instance I saved up hard and gave my daughter the dream wedding she wanted  ...so I suppose I am a saver when I have to be but prefer to be a spender !!

    replyreport
30. 45

    iQwestposted 14 years ago

    Without a doubt, I'm a saver!  We work too hard to simply give it away by purchasing our every "want".  I'd much rather use the money we save to take additional time to spend with family.

    replyreport
31. 58

    JP993posted 14 years ago

    When you learn the 8th wonder of the world ( compunding interest ) you'd wish you had learnt it years ago.
    
    Everyone should save a minimum 10% of there wages each month for their retirement.
    
    Money saving should be taught in school.

    replyreport
32. 53

    E Marieposted 14 years ago

    I'm a saver. I was always a saver if you could call it that. I grew up without money so I never got into the habit of spending. When you have no money you can't really spend it. Then a few years ago my husband and I went crazy with spending money on furniture and then moving and redecorating again. Now we save every penny we can because we want a house. So we have our priorities straight and I went back to my roots of being frugal and clipping every coupon I find.

    replyreport
33. 60

    gsharadashekerposted 14 years ago

    I spend money a lot and i save money very less because while i earn i will just save some of the 40% of my earning in my bank account and the rest 60% i will spend them with my family members and friends ...

    replyreport
34. 61

    jessyferari1posted 14 years ago

    I have no problem saving as long as i have the money to do so. My job pays so little its difficult to save anything sometimes but i do my best. I spend on things that i need.

    replyreport
35. 62

    Youniverse Worldposted 14 years ago

    I am spender. never save more than 1000$ in my banc account

    replyreport
36. 38

    Ricky-jayposted 14 years ago

    spender definitely, a lot more fun living that way

    replyreport
37. 60

    themagicmanposted 14 years ago

    Inevitably by nature, I am a spender. Not that anyone reading this would actually be interested.
    
    Us Americans LOVE to consume, and in order to do so we have to spend.
    
    I would imagine the majority of HubPages users are on this site so they can make MORE money to SPEND.
    
    hubpages=more money
    more money=more spending
    more spending=gratification of our consumptive nature
    
    hubpages=gratification

    replyreport
38. 81

    Danette Wattposted 14 years ago

    I've never been much of a materialist/conspicuous consumer so I would consider myself a saver. However, in this economy, that is very hard to do especially with a reduced income.

    replyreport
39. 60

    ChilliWillyposted 14 years ago

    Oh gosh I was a spender. One day I sat down in silence, only with my mind, and I  realised that it is real big problem . It's like narcotic, you want to spend more and more. You just have to talk to your self and get rid of this. I did it, and now i'm a saver.

    replyreport
40. 39

    MissKarolainaposted 14 years ago

    Saver.
    I'm saving all the time. 
    I think it's a good thing but sometimes I am just thinking about money too much.

    replyreport
41. 64

    Yuan Tianposted 14 years ago

    A saver, most definitely. I have a difficult time spending money because I always feel so guilty afterwards so unless there is a big justification for a purchase, I'd often keep the cash rather than the goods. XD

    replyreport
42. 0

    taipalagposted 14 years ago

    I wasn't interested that much in money in the past, and altough I didn't have debt my savings were small. However, three years ago I decided that it was time to improve my financial situation and since then I've become a saver.

    replyreport
43. 81

    Wayne Brownposted 14 years ago

    I am a bit of both but still lean more to the savings side. My mother and dad were savers and came by their feelings honestly having seen the aftermath of the depression when there was little money around. They always envisioned having to relive that scenario.  I have been influence by them but I try to use common sense and outweigh it. Still, there are many ways that I could spend money today which would seem justified but why. My 15 yr old Suburban is paid for and still runs and looks good. I could get a new one but I would feel the same way about it that I do the current one in about three months. It's just not worth it to me. I think our feelings in this area are a function of where we are in life. As you pass middle age, many of the things that you felt were important in terms of impressing others suddenly are not as important anymore...you really could care.  Given that, the opportunity to spend diminishes because you are less prone to shop and search and don't feel that you have a practical need for every new little do-dad that comes on to the market.  As you grow your investments, you begin to marvel at their little abilities and it captures you interest and warms your heart! LOL! WB

    replyreport
44. 50

    deadlychris123posted 14 years ago

    
    
    im just 10 years old so i guess im a saver

    replyreport
45. 58

    brittd80posted 14 years ago

    I am a spender....therefore I married a frugile fran so I didn't go bankrupt.

    replyreport
46. 60

    Gordon F.posted 14 years ago

    Saver and Investor. Logical for a finance guide

    replyreport
47. 78

    xmetowposted 14 years ago

    I am a saver, always save a half my income. I have no loans and everything I buy in cash.

    replyreport
48. 60

    SuperGalposted 14 years ago

    I am a saver.  Everyday, I try to be a bit frugal and save money, or just don't purchase unnecessary goods.  Many of us buy things we don't need.  If we think before we purchase something all the time, we would all be better off financially.

    replyreport
49. 0

    reeree10488posted 14 years ago

    i am a Spender. But this year, I'm trying to save up for a place of my own so I can move out of my boyfriend's house not because i don't like him. I just want the spend some time apart until I get situated.

    replyreport
50. 60

    Time4Travelposted 14 years ago

    I would say I'm part-saver, part-spender. I like to buy things that I will truly use and appreciate. I've regretted items that I've bought in the past and have only used once or twice. I'm starting to really think about what I am buying to prevent feelings of guilt later.

    replyreport