|
Post by LavenderLayoutLady on Aug 21, 2014 19:40:17 GMT
I am a saver.
But it takes so long to save. (Maybe it wouldn't take so long if I made more money, but for now I'm doing the best I can)
Most days I'm okay with it, but today, man, I feel deprived.
All around me are spenders. Go out to the movies. Buy new gadgets. Buy new clothes and accessories. And I feel left out (even though I'm making the choice, ya know).
So, are you a saver or spender?
|
|
|
Post by PEArfect on Aug 21, 2014 19:42:04 GMT
I'm somewhere in between. I put most of the extra we have in our savings, but I also like to treat my daughters and myself once in awhile too.
|
|
Deleted
Posts: 0
Oct 10, 2024 6:21:19 GMT
|
Post by Deleted on Aug 21, 2014 19:43:37 GMT
Mostly a saver. But when I am at a point of feeling deprived I know it is time to loosen the purse strings a smidge and give myself a treat. Often it ends up being something I need any way I just stop putting off buying it (like a new skirt for work)
|
|
NoWomanNoCry
Drama Llama
Posts: 5,856
Jun 25, 2014 21:53:42 GMT
|
Post by NoWomanNoCry on Aug 21, 2014 19:45:00 GMT
We live paycheck to paycheck so we have no money to save. If we did I would save money though. I always did before. I hate spending money on myself so I was never one to blow money on shopping trips ya know.
I do totally understand feeling left out.the highlight of my pay week is if I can rent some redbox movies! Lol
|
|
|
Post by jeremysgirl on Aug 21, 2014 19:47:58 GMT
I am a mix. I try to save as much as I can but there are times when I definitely splurge. Like when we were in Vegas in June, I definitely splurged on that vacation. But now that we're back, I am trying hard to really save again. I think it's easier to save too when you have a goal. And my goal is to eventually buy a house. It might take me a few years, but I'll get there because I am saving as much as I can.
|
|
|
Post by melodyesch on Aug 21, 2014 20:01:05 GMT
We're a mix, too. We do go out a lot and buy stuff, but we don't have kids so we don't have any of those expenses. For personal purchases, we do an allowance system that keeps each other in check so that we don't argue about who spent what. And we like to travel so we save money for vacations. But we do save a lot, too.
|
|
Deleted
Posts: 0
Oct 10, 2024 6:21:19 GMT
|
Post by Deleted on Aug 21, 2014 20:03:58 GMT
Mix. We have savings like cushion in the business checking account and retirement plans, and we have savings for specific reasons, like a vacation, Christmas, household project. In the latter category, I tend to save for the more extravagant side of things, and I don't hesitate to get out the credit card when they come along!
|
|
|
Post by mikklynn on Aug 21, 2014 20:24:14 GMT
I'm a mix. I like money in the bank. DH was upset at a recent dental bill and I was happy to remind him at least we had the money to pay it.
|
|
|
Post by dulcemama on Aug 21, 2014 20:26:06 GMT
Neither really. I'm more "let it slide".
I don't spend wildly but also don't work hard to save.
|
|
gloryjoy
Pearl Clutcher
Posts: 3,332
Jun 26, 2014 12:35:32 GMT
|
Post by gloryjoy on Aug 21, 2014 20:26:42 GMT
I'm a spender, I'll admit it.
Good thing my husband is a saver!
|
|
|
Post by winogirl on Aug 21, 2014 20:29:51 GMT
Mix here too. We have savings for retirement but we spend more than we save. Money in the bank won't do me any good when I'm dead.
|
|
bklyngal62
Pearl Clutcher
Posts: 4,227
Jun 26, 2014 12:16:11 GMT
|
Post by bklyngal62 on Aug 21, 2014 20:29:53 GMT
I'm a mix. I save for emergencies and try to pay extra on our bills. we are almost debt free I also save seperatly every year for our vacation.
|
|
|
Post by eebud on Aug 21, 2014 20:31:21 GMT
I used to be VERY much a saver. I HAD to have a nice cushion in the bank for emergencies. I planned for the negative things that would happen. Today, I am still a saver but I am also a spender. We worked and saved hard over the years to get to where we are today and now while we continue to save, (I am a pay myself first person by having money go directly from my paycheck for the most part into savings accounts of one kind or another) I also have no problem splurging on things that I want, trips we want to take, etc. But, again, I plan for those splurges. I am 100% debt free so I feel like I can do this with no guilt. It was a long road getting here.
|
|
georgiapea
Drama Llama
Posts: 6,846
Jun 27, 2014 18:02:10 GMT
|
Post by georgiapea on Aug 21, 2014 20:36:31 GMT
I'm a spender. I tell people I'm a grasshopper.
|
|
Dani-Mani
Pearl Clutcher
Posts: 3,709
Jun 28, 2014 17:36:35 GMT
|
Post by Dani-Mani on Aug 21, 2014 20:45:03 GMT
I'm a huge spender but that will change when I have kids.
|
|
|
Post by annabella on Aug 21, 2014 20:47:13 GMT
I like to save for big things. But buying clothes is my weakness.
|
|
|
Post by smalltowngirlie on Aug 21, 2014 21:02:48 GMT
We are trying to become savers. A few things are changing in our lives and we are setting it up so money automatically goes into savings. There are some specific things we are saving for and just so we have a real emergency fund.
We do know that we need to slow down our spending. We have lived paycheck to paycheck for so long and now that we are getting a little extra we have been spending more than usual. Most of it is things we need and have been putting off buying, but we need to spread it out a bit more.
|
|
|
Post by leannec on Aug 21, 2014 21:10:57 GMT
Another mix here ... I have investments and retirement savings that I contribute to every month no matter what ... We also have a savings account that we use for vacations ... Other than that, I spend ... mostly on the dd's ... kids are expensive Oh, and on wine
|
|
scrapaddie
Drama Llama
Posts: 5,090
Jul 8, 2014 20:17:31 GMT
|
Post by scrapaddie on Aug 21, 2014 21:15:46 GMT
I think it is important to save.... But not to totally deprive yourself now. I know too many people who never got to enjoy their savings.
|
|
Deleted
Posts: 0
Oct 10, 2024 6:21:19 GMT
|
Post by Deleted on Aug 21, 2014 21:19:08 GMT
By nature, I am a spender. I force savings by automating it as much as possible and not giving myself the opportunity to spend more than I should. I *know* we have to save, and we do have a good general savings cushion, as well as retirement, college savings, etc. so it's good. But man, sometimes I really want to be less responsible and give in to my spender tendencies. I don't deprive myself, but I don't really indulge either, because I know if I start indulging a little, it becomes easier to justify progressively more expensive things.
|
|
|
Post by myshelly on Aug 21, 2014 21:28:29 GMT
I'm a you only live once/you can't take it with you type. I am all about spending money on experiences to make memories with my kids I'm totally not a saver at all.
|
|
Deleted
Posts: 0
Oct 10, 2024 6:21:19 GMT
|
Post by Deleted on Aug 21, 2014 21:39:48 GMT
Kind of a mix. We automatically save with 401k and the like, but we do spend money on travel several times a year. We could be putting more backbut we have known so many that saved, saved and saved some more, just to end up losing it all after a major health problem.
So I tend to lean toward you only live once.
|
|
|
Post by Merge on Aug 21, 2014 21:41:09 GMT
We have automatic deposits to savings so I can spend what is left guilt-free.
|
|
|
Post by Goldynn on Aug 21, 2014 21:46:10 GMT
After years of being a "you only live once" type, I'm trying hard to be more of a saver now. As I've gotten older, I've realized it takes a lot of time to store and shuffle around all the clothes, shoes, jewelry, etc that I've collected. I will always spend money on traveling, however. To me, it's money well spent.
|
|
Deleted
Posts: 0
Oct 10, 2024 6:21:19 GMT
|
Post by Deleted on Aug 21, 2014 21:51:18 GMT
Id love to be a saver, but right now we can't be. My husband is paid well enough and we chose when we had kids one of us would stay home. One is in college and another will be in a year. We have started to put 30 per paycheck away, might not seem like a lot, but it's a start. Once we have two out we will have less bills and plan to sock some away. We have always been kids first, so when we have some free money there are a couple of things we will probably do. Still saving a little, but spending a little more on us...
|
|
Deleted
Posts: 0
Oct 10, 2024 6:21:19 GMT
|
Post by Deleted on Aug 21, 2014 21:55:43 GMT
I choose to find a way to do what I want without paying full price so saving isn't such a fun-suck. And when there is a rainy day...it's nice to not be devastated by it.
|
|
|
Post by peasful1 on Aug 21, 2014 21:56:36 GMT
Probably a little more "You can't take it with you!" than we ought to be. We spend the bulk of our play money on consumables, not stuff. I don't like having too much stuff around.
|
|
chickenb00
Junior Member
Posts: 74
Jun 26, 2014 20:03:38 GMT
|
Post by chickenb00 on Aug 21, 2014 21:59:09 GMT
I think I'm a little bit of both. I try to save when I have the extra money to save. I also don't deprive myself either, but I don't just spend money all willy nilly. I call it my treat fund. I'll put aside a few dollars to treat myself to lunch or a movie that way I don't feel sad that all I ever do is sit at home and do nothing.
|
|
|
Post by Scrapper100 on Aug 22, 2014 0:07:29 GMT
I think I am a bit of both. There are some things I don't mind spending on and other items I can be cheap about. We have several sub-accounts one for taxes, insurance, house projects, car, Christmas and vacation. When we have extra I put it into one of these accounts. Knowing that we have money set aside makes me feel good and it is easier to put a bit extra in the accounts. I know how much we will need for property taxes and insurance and just add money to it each month. Extras go toward vacations, house projects and for a new car.
We could easily spend more than we do going out to eat and on entertainment but having extra in the bank feels good and if an emergency comes up like my not so fun trip to the dentist today I don't have to panic. Having an emergency fund and funds set aside makes me happy. Before we started doing this we would spend almost all that we brought in. It wouldn't be hard at all to spend more but making a few sacrifices makes a difference. We rarely go out to movies and don't go out to fancy restaurants or take fancy trips but we still do fun things and enjoy our life. I think it is important to enjoy yourself and to do so within your means. When DS was little we found lots of free things to do that were fun. We didn't do vacations but that was OK.
I admit I sometimes get envious of friends that seem to always have fancy clothes, cars, vacations or go out to pricy restaurants but I guess that is just human nature. But I also know that we don't have maxed out credit cards. I think a lot of it is mindset and you have to have a little splurge every once in a while but within reason.
|
|
Deleted
Posts: 0
Oct 10, 2024 6:21:19 GMT
|
Post by Deleted on Aug 22, 2014 0:28:18 GMT
I'm in between. I try to stay in our budget so that we can save, but I also want to be able to enjoy life without having to worry constantly about saving. As long as we have a decent amount in savings (and we do right now) I'm not going to worry about $20, whereas that $20 drives my dh batty.
We had some stuff go down with my dh's job that cost us about 20 percent of our pay a few years back, and it's really hurt our ability to really save much, so we haven't gotten to go on vacations like I'd like to. Hoping that will change sometime soon!
|
|