Are you a spender or saver

philstar

Do you live a carefree fancy free life who spends like there's no tomorrow or are you a boring'ol fart like me who takes out a certain amount every week and tries to discipline yourself to live on that said amount??

PirateShampoo

Neither, I can't afford to spend and I can't afford to save.

FizzleSticks

This post has been deleted.

Surreptitious

I'm a saver. Nobody knows what's around the corner for them so having something put away is handy.

Miss Demeanour

philstar wrote: »

Do you live a carefree fancy free life who spends like there's no tomorrow or are you a boring'ol fart like me who takes out a certain amount every week and tries to discipline yourself to live on that said amount??

Plenty of millionaires in the graveyard. Life is for living....live every day as if it were your last....someday you'll be right......enjoy it, be happy.........we are not here for a long time...make it a good time....















/disclaimer......I will contact you Mr TSB on Monday in regard to my account........

Jim Bob Scratcher

I'm a proper miser.

philstar

Jim Bob Scratcher wrote: »

I'm a proper miser.

i take it you're scottish

Yellow pack crisps

Both but lately I'm looking at things and thinking I don't actually need or really want it. I think my plan is to save and buy a property somewhere hot and retire there.

Autosport

Where's the button for both, I save some and spend some

andekwarhola

Both.

It's possible, you know.

dinky earnshaw

Surreptitious wrote: »

I'm a saver. Nobody knows what's around the corner for them so having something put away is handy.

Im a spender. You might get a bang of a bus tomorrow. Live for the day.

Jim Bob Scratcher

philstar wrote: »

i take it you're scottish

Aye, no

FizzleSticks

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qo2cj1dsne8y4k

Both. I put a chunk of money into savings and then I blow the rest

FizzleSticks

This post has been deleted.

lawlolawl

I spent a bit on stupid stuff in my early 20s but I've been fairly good at saving for the past decade or so.

I just reached a point where I realized there's very little that I actually "need" to spend money on. I have really plain /conservative wants and I'm happily single with no kids.

I bought a house I could easily afford and there are still two rooms I don't use in it anyway. I used to change cars every couple of years but I've had the same budget diesel commuter for the past six years and it does the exact same thing as any other car I've had except cheaper. I don't need the latest tech/phone /flash clothes because they do nothing for me. Not too pushed about heading abroad on holiday. I don't drink any more and even when I did I never really went out.

My only real unnecessary spends are eating out, the odd video game and my streaming service subscriptions. Everything else is just standard bills etc.

I like the security of having money squirreled away and I've started doing a bit of investment stuff with it. I'm planning on retiring early.

Stigura

Spend. Fcuk it. I own my own place. I'm retired. I buy schit to make my daily life nicer. Tools, for me. Or paying better men to do work, on my property, for me.

Simple rule? " Don't Over Spend! ". No Credit. Plod along, listing ye needs. Pay for them as ye can. Save up, short term, for the big ones. Happier life


And now, a story. Fcuck off now, if ye don't want to read it :P

I used to work for Cliffy. Self made multi millionaire. Bloke literally bought council estates. Fcuk knows why. He was what we termed a " Builder ". Owned swathes of cities. Even random fields and schit. Clever guy.

Anyway, one day, Cliffy's driving me from one menial job to another ~ he had work crews all over the place. Spent all of every day harassing us from our tea breaks and such. He did for simple self amusement. Fact!

And, as we're bowling down this motorway, he says; " Ye know, Stig'; I got a call from Harry P, the other day. " (Harry was another local self made MM)

" Harry said; 'Cliff? What ye doing? Working?! FFS! We're all over in Switzerland. Fcuk it all off for a bit. Come over here and have a drink! "

But, Cliffy told him he had to keep going. (Popular saying was that Cliffy was worried. He was down to his last £30,000,000)

Year later, Terry B, one of his main lads, got a call from Cliffy's wife, to come and break the door down. Cliffy wasn't showing at breakfast. Sad cnut was stone dead, in his bed.

Cheers, Cliff. I raise a glass to ye. You tought me well. When I go? I'll leave a nice little place. Well maintained and full of nice and useful things. And, maybe, a couple of ton between my bank accounts!

Fcuk dying filthy rich and tired!

boobar

I save....

Then my family comes up with lots of ways to empty my piggy bank.

Richard Hillman

I am a short term saver. I save for something large that I want/need in a few months. I wouldnt have a penny for things far down the line.

Mr_Muffin

I try to save but i realise that i will never have a job that pays enough to allow me to get a mortgage or a new car etc so I'm not sure what i am saving for.

Tasden

Mr_Muffin wrote: »

I try to save but i realise that i will never have a job that pays enough to allow me to get a mortgage or a new car etc so I'm not sure what i am saving for.

This! I was saving for a house but doubt I'll actually get a mortgage so now I'm just saving and hoping everything falls into place at some stage!

ytpe2r5bxkn0c1

I was always a saver. Small amounts towards annual costs like motor insurance, at first. Then it was toward the children's education. Then retirement. Now I spend. I have more than enough to see me through my time here. I holiday as often as I wish, keep the house well maintained. Indulge my hobbies. Eat out, entertain, buy quality goods and generally enjoy life without any concerns about money.

Saving has it's time and place; as has spending.

Wanderer78

Saver, more to life than consumables

Beasty

I spend and save (save in terms of providing enough to live comfortably when retired)

I also invest and the returns on my investments allow me to spend more as well as being able to provide my kids a comfortable start to grown-up life.

lawlolawl

Wanderer78 wrote: »

Saver, more to life than consumables

That's a lot of it for me.

Sometimes I think to myself "I feel like spending a few hundred/thousand on something completely unnecessary!" then I realise there's nothing I want at the moment.

I considered getting a kindle paperwhite yesterday and had it in my basket on amazon with a case and everything and then I just stopped and thought "my Sony eReader still works. Sure it's a bit old but I still use it every day and it's fine"

Didn't bother after that and saved myself around €150.

Wanderer78

lawlolawl wrote: »

That's a lot of it for me.

Sometimes I think to myself "I feel like spending a few hundred/thousand on something completely unnecessary!" then I realise there's nothing I want at the moment.

I considered getting a kindle paperwhite yesterday and had it in my basket on amazon with a case and everything and then I just stopped and thought "my Sony eReader still works. Sure it's a bit old but I still use it every day and it's fine"

Didn't bother after that and saved myself around €150.

this kinna thing happens me from time to time but i generally end up thinking similar to yourself. i generally use things to within an inch of their life. i have a tv thats heading for 20 years old and i havent purchased a phone in about 10 years. they work just fine and you d be surprised what people call rubbish! we really do need to rethink our economic strategies, these consumable driven systems just arent working

cbyrd

I buy an ounce of silver every month and if I have extra money I'll buy another one, I'm not working at the moment but I save a little every week, helps for back to school and Christmas and stuff. I don't hold much faith in paper money or banks, that's why I by silver, it's my pension.

Slanty

lawlolawl wrote: »

I spent a bit on stupid stuff in my early 20s but I've been fairly good at saving for the past decade or so.

I just reached a point where I realized there's very little that I actually "need" to spend money on. I have really plain /conservative wants and I'm happily single with no kids.

I bought a house I could easily afford and there are still two rooms I don't use in it anyway. I used to change cars every couple of years but I've had the same budget diesel commuter for the past six years and it does the exact same thing as any other car I've had except cheaper. I don't need the latest tech/phone /flash clothes because they do nothing for me. Not too pushed about heading abroad on holiday. I don't drink any more and even when I did I never really went out.

My only real unnecessary spends are eating out, the odd video game and my streaming service subscriptions. Everything else is just standard bills etc.

I like the security of having money squirreled away and I've started doing a bit of investment stuff with it. I'm planning on retiring early.

No offence but you sound like you have a very boring life. Maybe you get happiness out of looking at your bank balance but with me it is the memories of the great holidays and the comfort of a nice car. This along with some savings is a good balance for me.

I spend like there's no tomorrow, as one day there won't be!

I save a lot at the moment, but I don't deprive myself either. Life has to be worth living, no point in denying yourself for the sake of it. I lead a very simple life though, my wants are few.

caille

Both. I love clothes etc, holidays abroad, eating out and some nice wine. Cinema, coffees out, day trips and weekends away. Life is too short.

But I have always saved, even from very young, because my mother wanted me to always have savings to fall back on. She used to give me pocket money and made me save half of it but in a good way, like it was a game and would reward me (with more money!) if I kept the savings up without spending too much of them. It continued on from there as I got older, got part time jobs, full time jobs, moved away, she was always there with advice for how to budget and still have a life, even on not very much money.

I am not great with some other areas of my life but the one thing I am very good at is managing my money and I put all credit for that on my mother and how she taught me to handle it.

Pac1Man

cbyrd wrote: »

I buy an ounce of silver every month and if I have extra money I'll buy another one, I'm not working at the moment but I save a little every week, helps for back to school and Christmas and stuff. I don't hold much faith in paper money or banks, that's why I by silver, it's my pension.

Can I come with you on your next voyage? I'll bring the rum.

A Bronx Tale

A Bronx Tale wrote: »

I spend like there is a tomorrow because most of the time there is a tomorrow and I want to enjoy my tomorrows as well as my todays.

good for you.
Tell me about it tomorrow.

Gavlor

I'm a spender and my wife is a saver.

I'll eventually get my open24 passwords and debit cards back from her

Galwayguy35

Bit of both.

Saved up for the deposit on my house and always make sure the bills are paid and put a bit aside every week as well because it's good to have a few bob in the bank for a rainy day.

But I still enjoy life, go out for a few pints every other weekend and take a holiday every year as well.

Don't change cars too often, have a 04 Golf and it will do me until something goes in it that isn't worth fixing.

I've seen oul fellas who lived like misers all their lives and as soon as they were put in the ground the money was spent by someone else.

TerrorFirmer

I'm a bit of both, I tend to spend on things I know I'll get a lot of use from and of course, everyone needs an escape now and then and go on holidays somewhere, but I try not to let it get too out of hand and throw money around the place. I used to be dreadful for it - and a huge amount of it went on stuff like eating out everyday, going out several times a week, and other things that meant I had little to show for it once the week rolled around. I think I used to almost see a big red target over the few hundred I had left before every pay-day and see it as an actual target that I had to burn through before the clock reset the next morning. I wasted a ridiculous amount of money and I don't even earn as much as I used to, now. Someones I feel pretty angry with myself but then again, you're only in your 20's once and I can't really say I denied myself anything and had a very good time.

Your Face

In a manner of speaking, yes and no, as it were.

DopeTech

Saving for a house so I'm keeping an eye on spending.

I was always good for short term saving when I was in school/college for things like laptops, holidays etc.. But never had any long term savings until I started about three years ago after I finished college. Could have saved way more while I was in college. I used to make a lot of money in summer jobs and paid no rent. Spent it all on clothes, make up and going out. And college of course.

These days I put 10% of my salary every month into an employee shares scheme which saves a good amount and I can also make money of it. Also put about €500 a month in the credit union. Could save a lot more if I tried. Would like to buy a house in a few years so must save more.

JTL

Both.

Save a certain amount each month and it's builds up very quickly. Educated myself on this forum a few years ago on different bank accounts and methods people use for savings. It's been very helpful.

rmchmufc

I'm a saver for sure, I try to put as much as way as I can. Not that I have anything in mind for it but I do feel that it would be great to have something saved in case it is ever needed.

tomwaterford

Save.....but spend if/when need for important stuff I need




Could never fully get around buying random pointless crap






***I'm terribly paid though :-/

My natural tendency is to be a spender. I love to spend. I have developed expensive tastes and love to travel.
Which would be great if I were single. I married a chronic saver who curbs my natural spending tendencies. Not to mention the 5 kids who suck all my spare cash like leeches with blood.

CIP4

I'd say I'm mainly a saver even from a young age my parents always said about having a rainy day fund. I have only finished college in May after 4 years so I'm still getting used to having a proper salary on a full time basis it's great. I kind of naturally wouldn't spend that much as I don't drink or smoke at the same time if I want something I'll buy it but just don't needlessly squander money.

I'm starting to save a good chunk of my wages with the intent on buying a house in a few years I have only just turned 22 so I think I'll wait another few years probably till 25 but I'll be buying a fixer upper I can easily afford just because that's what I'm into I'd hate to buy a fully finished house would prefer something I could tip away at myself over a few years.

TheBiz

Ah well if you only save how do you afford to live? All that money and no roof?

Saver. I live well within my means on the day to day stuff but as long as my savings are above what I'd consider good (20k+), I will happily spend on "assets" like a good laptop or motorbike or "experiences" like holidays / diving etc.

I've no interest in splurging on nice restaurants every day and stuff like expensive clothes because I don't see the value difference. My very expensive gaming laptop for example makes my web development stuff a breeze and gaming is brilliant on it so I can see the value.. (And it makes me drink far less).

Kev.OC

I've always been a spender, thanks to my parents. They love to travel, and even though I don't think it happened in the beginning, I'd happily say that their last ten holidays have been planned while on the previous holiday. Growing up it was great, as by 19 I'd been to more countries than I'd had birthdays. So that left me firmly in the "you're here for a good time, not a long time" camp.

Girlfriend is a saver though, which complicates things. I would think absolutely nothing of getting a loan out to help fund a big holiday, or to enable a time sensitive holiday (eg. deciding in Nov you want to go skiing this winter) but the idea absolutely appalls her.

Now, though, I'm getting to that age where one starts seriously considering buying (or in my case building) a house, and starting a family, and I want to buy a motorbike before then while I still have a chance. So I guess from here on out I'm a reluctant saver, who'll never be fully committed to the cause. :P

TheBiz

I'm a saver the majority of the time until there is something I want.
I can go a long time without delving into savings even for nights out, if I don't have enough on hand I won't be looking for extra.
Then again I will buy something rather quickly if I really want it.

Kai123

I'm a methodical saver but have a problem spending money. Seeing repayments vs renting, Its hard to spend when trying to save for a mortgage for a chance of more disposable income.

If not for saving for a place, I'd probably be a spender.