Are you a saver or spender?

[gaby_ro_2004]

I always make the difference between Need and Want,so ....maybe.....i am a saver.

[ljrjess69]

usualy a saver but latlt i been spending....

[squirrelgirl44]

Unfortunately I am more of a spender than a saver. However, I have gotten better over the years. The key to me for the longest time was going cash only. Then going to debit only (mainly so I can do returns/exchanges easier and I don't have to hold onto receipts). Credit cards got me into a lot of trouble over the years. I only have one and it is used exclusively for recurring monthly bills. I don't carry the card on me and I pay in full the day the statement comes out.

As for saving, I set up small accounts on Capital One 360 for various things to save for. Emergency fund, "house" (for repairs and unexpected expenses), "car" (for annual registration, emissions and repairs), vacation. I do automatic deposits into the accounts each pay day. It helps to designate the funds I'm saving for!

Works for me!

[hitch0403]

I have gotten wiser with old age managing my money.Now if i can only get my son and wife on the same page with me!!

[catchow]

These days Im more of a saver than a spender, back 20 years ago it would of been the other way around

[gbabesmom]

I love to spend and buy things like online music. Oops! We are in a saving mode now since my hubby had a big cut to his pay. It's all good though. Budget budget budget. :-)

[makeblessed]

I do both, but when spending I try to budget for what I need and want.

[Tresbn00]

I am a saver and a earner surrounded by three people, in my family, that are spenders. I work at least eighty five hours a week which goes to the family who spends it as fast as they can. I have a third venture that brings in a few hundred dollars a month that gets consumed just as quickly.  I have been driving a scooter to and from my day time job for about six months but am drifting into Colorado snow season.  I have started looking for a car/jeep/truck in the two thousand dollar range because I do not want to take a loan out. My wife has a three hundred and fifty dollar payment for her car, My daughter has a three hundred dollar payment for her car and my son totaled his car last month-no more payment.

[heypeg]

I wouldn't say that I am a saver, I would say that I am a get out of debt spender.

[natashaspy]

I try to be a saver, but lately it seems like every time I manage to save any up something happens to make me have to spend it.

[bleyd]

I'm more of a saver but my hubby is more of a spender. I try to save any spare cash but it ends up going some place else.

[dreamyxo]

I'm definitely a saver but I have spending binges where it seems I purchase a lot of things in a short period of time but I'm cheap and definitely like to save more.

[Cbsteffen]

I'm mostly a saver. My online money making routine keeps growing.

[lguzman1]

I'm a bit of both. It all depends on what I really want.

[lynnc35]

I have a hard time saving money but I can do it, but then I save a whole lot and then spend it way faster than I saved it.