Is saving money a pain or a joy to you?

Hello Dear Scheng! yes, saving money is a joy for most of us! but then it is so, so long we can do it without sacrificing anything presently for it! Whatever the money we have in surplus after spending for the month's requirement this can always be saved easily for future use as savings1 Yes, this keeps one happy and secured for his/her future life or as you aid the retired life! !!! While planning a savings scheme we need to have some planning! If we make the savings without any commitments or fixed target it is always a thing of joy! But if are forcing ourselves or binding our selves with any scheme of saving where we need to pay a mandatory fixed amount every month on a particular day, then such savings schemes can become painful some times as we may not be in a position to fulfill our commitments at the fixed date or time! Then to fulfill it we may need to borrow the money from some one or we need to do some thing similar to that! Like savings in recurring deposits needs a regular contribution of a fixed amount very month in the Bank! Here irrespective of the earnings and expenses we make, we have to give the fixed amount in the bank and there is no way out! If we fail to deposit the amount for one month next month we need to pay this amount along with the next months installment along with he fine! So such incidences can become pain some times!!!!! We may not have a fixed income to save every month, we may have some contingency expenses! we may need to visit a doctor unexpectedly , so under such condition our monthly budget gets disturbed and the savings for that month may be bit reduced ones! So under such conditions the predetermined installments for such recurring deposits can become pain! Last but not the least, with the increasing rate of inflation and Global recession money making has become a bit difficult one and the cost of living which is increasing by leaps and bounds , erratically , some times make one helpless and often we are left with hardly any money to save! So under such circumstances people tend to compromise in the budget either by cutting some items of daily use or to go in for some cheaper substitutes! This is one ofthe pain we have to bear because of the inflation! Otherwise if we have surplus money and we have no fixed commitment of saving just saving the left out money in the bank is always a joyful event for most of us and I am also no exception for this! Thanks for the discussion, I liked participating in it!

Saving money can be joy and sorrow for me, it's a mix. I'm an affluent person so I usually spend too much than enough most of the time. The only time I start spending just right is when I see that my salary won't last for the week or so. The only time that saving becomes a joy to me is when everything pays up. I've tried to save for an amount of time before and I know the feeling of success that it brings when you are able to reap what you sowed.

I really do enjoy being able to save money. It's certainly more joyful than anything else, when I can manage to save money. However, lately, it really hasn't been easy at all to save money. Things are just so tight, which makes it more difficult to save. It's really frustrating.

There are two options to realize about saving money. The pain for saving money can be that you have to make many personal sacrifices for being able to save something out of what you get or have. Let's say you have any amount of money each month as you need to calculate how to administrate it wisely for making the money last for all your necessary expenditures like rent, food and clothes. If your salary/ income is the same as your monthly bills, you have to cut your expenses to be able to save something. Then you cut down on your expenses of clothes and food. That can be painful for some people. Do you have mouch money more than you spend each month, saving can be fun! When you have to make a priority on what you'll spend you money. If you spend on that you have to be without something else.

Saving money is JOY for me, but I hardly save now because I provide my brother's allowance and I only have small salary. I really want to save soon.

For me,saving up is a joy because I plan to buy something with that money.I don't like it when I don't save up because I feel like i waste so much and don't save up enough.So saving up is a joy for me.

To a certain extent, I enjoy saving money. But sometimes I run out of ways to do it easily. Sometimes it feels like I am sacrificing. So I guess it can be painful, and easy ways to save money will be done, whereas the harder ways I might have difficulty always doing.

Saving money is satisfying to me. I feel safer knowing that if I should have some sort of financial emergency I will have a back-up. I won't have to ask relatives for help or eat noodles for a month. I recently had one such emergency and was able to pay my monthly bills even though there was little money in my checking account. It made a dent in my savings but I will be able to replace it with my online earnings in a couple of months. And I still have several month's worth of funds in my savings. If I had not saved, I would have some very nice things in my house and my closet but my house would have been in danger for non-payment that month. Nice things are great but there is nothing like knowing that you have the means to take care of yourself financially!

As for me, i do feel joy in saving money. I like to see my money grow, so i can use it in future for any emergency purpose. I only feel pain when i am unable to use that amount of money for buying things during sales. Because most of my money being invested into fix deposit, which we can only take them out after the term is expired. If we take too early out the money, we will lose the earning. At least, it can helps me to save even more for future needs.

For me saving is a pain. I know that in the end it will all add up but still. I love to use my money. Putting it in the bank for it to add up over time just seems like it will take forever. And then I think about what if I'm not around when it does add up, and i spent countless years putting everything extra into savings when I could have done something while I was alive. I do know how valuable saving is so I do it anyway. And if we do save up for years the interest will be awesome to see.

Saving is always a joy to me. Because if I don't save I would only end up spending it on material things that I would get fed up using. I have always tried saving and realized how important it is to be able to have some money for any emergency especially if I get to use it for my child. So, it will always be a joy to me. And it is good to hear you are a good saver.

I enjoyed saving money. It gives me security if ever I ran out of cash. It also helps in trouble days. So, always save spare money for future use. It will help you somehow. But don't forget to pray to God because we can do nothing without Him.

Yes saving money is is a joy for me, it's not that hard to save money, just buy the things you really need like food, or gas for your car, and pay bills regularly and don't buy a lot of clothes. I love saving and counting money too

To me,saving money is a kind of joy.While earning money is becoming more and more difficult,saving money seems a good way to accumulate one's savings.Although it may influence one's daily life,after a long time,one may feel he/she has earned a lot of money and wants to buy something expensive to bring his/her more joy.

A little of both. It sucks to see something you want and know you can't buy it cuz you need to save your money. On the other hand it's kinda fun watching it grow.

For me a joy and it can gave you more joy in your life.

It becomes a pain only if you can't save anything from your paycheck. Saving something from your income happens only if you have something extra to save. It becomes a pain if you force yourself into doing it even if your income is not even enough for your daily necessities.

I think if you are doing only saving and getting little money from poor bank interests, then saving is a pain. But on the other hand, if you are saving and investing what you save then it is really an awesome thing to do. Saving only means putting aside a portion of your money and trying to accumulate it by adding up to it. That doesn't sound fun to me because in effect you are just delaying the spending in there and just accumulating and not growing it out. I can say make your money work for you, and that would be more interesting. Making your saved money work for you to grow bigger by itself is something that is enjoyable as you can see and reap the rewards of investing. So saving only is a pain but saving and investing is a joy for me.

it is a joy to me cause then I know that I have back up money, so if I am on trouble i can use that and every thing will be aright.

For me, saving money is a joy! Just knowing that you have something to fall back on, in case of any financial emergencies, if a very good feeling! However, I can see where people would say that saving money is a pain because when they see that they have saved money, some people want to reward themselves and end up spending the money that they saved. They are basically running in a continuous cycle of saving and spending money, so maybe that's why some people find it painful!