Comments on: Are You a Spender or a Saver at Heart?

By: Kristen

Kristen — Fri, 12 Feb 2010 19:20:13 +0000

I am definitely a saver! I started saving for my retirement when I was 16. I love saving money anywhere I can. I clip coupons, shop Sales only, and buy in bulk when necessary! I recently just found out that I can also save on my investments. A new company was just launched called InvestForLess. This company offers a platform to invest in mutual funds free of commissions and asset-based fees, which equals SAVINGS! I love it and it is such a great idea. No one has ever done this before. It allows investors to save year after year on their investments. InvestForLess also allows their Members the ability to purchase Pay-As-You-Go advice so that you pay for the advice you need, when you need it. Check it out at http://www.investforless.com

By: Financial Samurai

Financial Samurai — Thu, 11 Feb 2010 07:35:52 +0000

I’m a saver for sure! Have always saved 50%+ of my income since I started working.

the thrill of delayed gratification, or zero gratification is amazing!

By: Rosa

Rosa — Thu, 11 Feb 2010 05:58:53 +0000

Is it possible to be neither? I really like having things, but I prefer to make or find them. I hate shopping but, as long as my emergency fund is full, I’m indifferent to saving too.

By: LeanLifeCoach

LeanLifeCoach — Thu, 11 Feb 2010 02:51:27 +0000

As a recovering spender… it is possible to overcome your addiction and become a lifetime saver. I have never enjoyed a purchase as much as I enjoy seeing money accumulate!

By: John

John — Thu, 11 Feb 2010 02:03:23 +0000

I am a spender by nature but I can control it. I am a spending planner. I can do research for 6 months or a year on a new computer build. generations of hardware become obsolete and I modify my plans to match the newest tech. The best part is still the assembly of all the parts. I have learned and have managed to teach my gf that saving money with the help of retail stores is rarely going to get you anywhere financially. Watching websites and newspapers ads and coupons for special deals and sales will not make you rich.

By: Matt Jabs

Matt Jabs — Wed, 10 Feb 2010 20:55:24 +0000

Like Big Spender said, I think all of us raised in America are raised in a culture of vast spending… but deep down, after I peel all the layers away – I am a saver at heart. I enjoy saving more than spending.

By: Kev

Kev — Wed, 10 Feb 2010 19:45:42 +0000

I would say that I’m a saver at heart. Having the option to buy said item is every bit as gratifying to me as actually buying said item. I still don’t have a wicked flat screen television and I probably won’t have one until my television officially calls it quits. I rarely spend money on unneeded things, unless it is for gifts or what not.

With that being said, I do allow myself certain indulgences. I go on vacation every year. I try to keep it in a respectable price range, but I still spend what I consider to be a lot of money (anywhere from 1500 to 2,000 for a week at the beach). Certain things just can’t be held off on. I will never in my life regret not having an awesome television, but I will regret the times I should have taken my wife on vacation and didn’t.

I try to maintain a healthy balance of enjoying life now, but planning for tomorrow at the same time. Luckily for me, I don’t have to buy a lot of “stuff” in order to enjoy life now.

By: Big Spender

Big Spender — Wed, 10 Feb 2010 18:21:41 +0000

Most Americans under the age of 65 are trained, professional spenders. It’s been the foundation of our economy for so long, we don’t know of any other way.

But I might just be making excuses for myself.

By: Bodark

Bodark — Wed, 10 Feb 2010 18:19:04 +0000

Not sure, what this makes me…but I will go months without spending money on anything that is not required (e.g. grocery,household stuff).

Then, I’ll decide to spend. But my “for fun purchases” are typically north of $500.

So saver, with a flare for random purchases??

By: ParisGirl111

ParisGirl111 — Wed, 10 Feb 2010 15:05:43 +0000

I am definitely a spender at heart. I love living in the moment and doing this spontaneously. Fun is much more important to me now than waiting for later. I mean, I could be dead tomorrow? right? However, I have come to realize that living in the now too much is not worth stealing from my future by creating debt. This lesson was learned the hard way unfortunately.

By: Michael Crowther

Michael Crowther — Wed, 10 Feb 2010 14:45:24 +0000

Interestingly, I’m inclined toward being a spender; however my understanding of financial principles has convinced me enough that I am willing to save. Plus my wife and I make a good team.

I think it’s that same understanding that convinces me to at least get up early in the morning to run, even if I don’t stop myself from eating treats during the day.