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At times we are both but we will gravitate to one direction most of the time.
Of course if you are more of a saver these ideas might be old hat, or not. And if you are a spender, well listen up. This doesnt take much;
$5 a month even works, it is the habit that you are getting into that matters the most. Saving starts with not spending the money and it can be easier to save if you dont see the money: Take it out of your paycheck first, automatically. Some banks allow you to have money split between accounts for your paycheck. that is free money.
If you get a raise, put that away before you get used to spending it.
Sock it away in your 401k or have it moved to a savings account or the like. Unexpected Money. Dont use the tax refund to pay down your credit card bill;
you may just run it up again. Dont use the inheritance to buy a car; it will just need repair and higher insurance. If that isnt up your alley, then try some of these money games: Round up in the checkbook.
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