Why do you think it's important to save rather than spend?

My nest egg has been very important to me this year, as I have had to spend a lot of extra money due to a mayor health problem. I am very glad that I did not have to worry about money, on top of everything else.

It is a good thing to be balanced. Then we don't overwhelm ourselves about one of those areas since we are good about both of them. It is definitely good to have a nest for a rainy day. They often come more often than we realize.

Yeah that is a great way to look at it. It is very difficult to save especially when times are hard. And I do like to buy things for myself every now and then. Especially after doing a lot of hard work with work and home I then feel I need to treat myself.

That is one area that I have a difficult time with. When I finally do get my check I love to buy something for myself. It is very hard for me to resist. I use to be better at resisting the temptation to buy what I don't need. Now I have to start working on it again so I can save more. Having a habit of saving will help me to enjoy it more and will also help me to save for bigger things like vacations. So it's my goal to keep working at it.

I agree with you completely. I too love to spend any extra money that I have. And I'm in debit as well. But I'm trying my best to work on savings. It is very hard as I love to go out to eat, and go to different places. I'm hoping with continued persistence I will do better. It will help me a lot in the long run.

I agree with you. It is so nice to be able to buy the things that we want when we want to. And it is so true that we don't want to be so tight with not spending our money as we definitely can't take it with us. After I save a certain amount I definitely want to use it, for a vacation I'm hoping.

I agree with you. I to would like to see my bank account grow. That would be so nice to have more savings. It does help a great deal especially when an emergency happens. Thanks so much for sharing your thoughts.

I'm glad that you were raised this way. It does make a huge difference. And I'm glad that your life is well and that you don't have that many problems. It's easier to enjoy life when we have less problems. Yeah it is definitely better to save.

I agree. It's nice to know that we are prepared for emergencies. As well it's nice to know that if we want to buy something we can without being stressed about taking it from bill money. Thanks for sharing your thoughts. I'm hoping that with time I will continually get better at saving.

Yeah things can happen suddenly and unexpected. And it is very difficult to deal with those times when we don't have savings. We have to be careful about our spendings. I know that at times I can have a hard time with this. As I love to buy things that I want. My wishlist of things seems to be endless.

I agree. Things go so much smoother if we are prepared for those days. I'm sure we all know what it has felt like not to be prepared. It's also nice that if we see something we would like to get we are able to get without feeling tight for money. I agree that balance is definitely needed.

Sorry to hear that it's not possible for you to do. I understand though. I have learned more things about saving recently. And some of these things I will I would have know perhaps 5-7 years ago. But then it's not like I would have had money then to save either. I have recently learned about high interest savings account. And they are a great thing to do. I have learned that if I were to put 3,000 a year in that savings account for the next 30-40 years I could have $150,000 by the end of that time period. Which would have been better if I could have started saving ten years ago. The interest in that account will just keep adding up. It is great. So much better than people wasting their money trying to win the lottery or other things. This is actually achievable. I hope that things have improved for you.