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.
Spender. I like my credit card too much. I've got to reign it in in 2011.
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!
I'm also a BIG time spender, which I really want to change. I need to save some money!
spender unfortunately... and a very aspiring saver... i know very well how to do it, just like spending more i guess!
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.
Spender! I *heart* shopping, and I *heart* my saver husband!
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.
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.
I am both!
I save by not spending money on useless stuff and then I spend my saved money over my hobbies etc.
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.
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.
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.
Definitely a spender. You only live once so spend money and have a good time while you can.
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
Was a serious spender.. but recently I'm kinda in between at the mo.. and drifting slowly towards the saver.. slowly..
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.
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.
A saver. I ask the price of eeeeverything, and I poo-poo anything more than double digits.
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.
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 !!
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.
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.
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.
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 ...
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.
I am spender. never save more than 1000$ in my banc account
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.
more money=more spending
more spending=gratification of our consumptive nature
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.
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.
I'm saving all the time.
I think it's a good thing but sometimes I am just thinking about money too much.
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
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.
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
I am a spender....therefore I married a frugile fran so I didn't go bankrupt.
I am a saver, always save a half my income. I have no loans and everything I buy in cash.
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.
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.
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.
by Harvey Stelman8 years ago
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by Don Ship7 years ago
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by ravenlt046 years ago
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by aka-dj9 years ago
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