I know that I have a problem with spending money. I'm greedy, but I love stuff too.
So I have taken the time to developed a system that keeps me from spending most of my money and allows me to save money. I keep it so that the money I want to save is harder to get to.
Like my savings account is at a credit union that is on the other side of town from where I live or work and excluding 1 day a week is only open when I work. This makes it hard to retrieve money from there since I have avoided getting any kind of debit card for my savings account. Any large amounts of money I get (ie tax returns) are direct deposited into my savings account.
I portion out money from each check for bills, and my money left over I leave most of it at home so I can't spend it. Also have avoided getting a credit card, and rarely use my checking account's debit card. So I force myself to buy things with cash, which makes it much easier to see how much money I have left for the week.
So I am inherently a spender, but have forced myself to be a saver.
i take money out of every pay check to save.and the rest i put into my checking account to pay for gas and other activities i would like it do. so mostly i'm a saver.. i would like to say i'm a saver but yet will not hold back to spend if it means having fun.usually i buy little things.like a diner once and while with friends or a pack of gum to share with everyone.or buying a water balloon shooter
Thank you that's a kind thing to say. I feel blessed to be able to work, earn money, pay my bills and have a home. I grew up dirt poor and nothing ever handed to me. I'd come more near helping someone than I would buying something material.
Saver. I work hard and it took me several years to develop this philosophy: "pay yourself first". Money goes into a savings account 'before" I pay any bills or spend it on anything else.
Usually a spender but lately a saver. ._. because I need money, a butt load of money for my tuition and so far I've only saved enough for one course lol.
Don't get me wrong, I'm not "tight" If I want to spend I will, just try to be careful about it.
I don't work yet, but when I do start working I will probably be a spender ;)
i'm a spender...
and i hate it!
i need to learn how to start saving now lol:)
Every time you want to buy something , ask yourself " do i need it '
Pretty much half and half, I just don't spend with little to nothing.
That is a very good habit n we should learn from you
i dont make money to know if i am. but id like to be a saver.
normally a spender, becuz theres always something i want :D
I think one should have balance , but its yr life
It is a habit , we have to learn to keep balance
Saver! I'm so cheap, I get it from my mom :p
What a good positive approach .
Haha . you a good girl
Gog Bless you
Spender. I cannot save money at allll.
A really really big spender! lol
A spender (: I love to shop.
Im a saver,then a spender!
I save then splurge lol
any tips how to do it
Same applies to me..
A bit of both
ok thank you
ok Thank you
d same way