Question – Are you a spender? Or a saver?

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Theoretically speaking if you got attacked by a disgruntled albatross and were rendered bed ridden for the next six months, do you have enough money saved to survive? This is assuming that you’ve used all your sick leave for hangover recovery. You also aren’t eligible for any compensation because some kid saw you poke the albatross with a stick. Could you do it? Really? A saver could.

Please don’t assume that my tone is vitriolic with reference to those people who are spenders. In all honesty I’m jealous of them. Look, I’m a woman. I have wanted to drop a couple of hundred dollars on a handbag several times but unfortunately my anus wouldn’t let me. We have clenching issues when it comes to spending money unnecessarily. Spenders don’t have this problem. They shout everyone drinks on Saturday night then seem completely calm when they can’t pay their car rego. It’s mental.

I think we all know that I’m a saver. A big one. I like to have enough money sitting there in case I need to make a hasty exit and flee the country, bail Mr Smaggle out of jail or pay to have myself cloned. You know. Emergencies. It’s my sad fate that I will never be able to buy Louboutins without first conferring with my chocolate starfish. Sigh.

What about you? Do you spend? Or save?

Oh and if you like the way I speak about my own netheregions with complete abandon do follow me on Twitter or like me on Facebook. It gets pretty dirty at times.

Love

Smaggle

http://www.seaofghosts.com/ Alicia

I’m definitely a saver, although it does appear that I’m a spender… I just spend less frequently for expensive items and a little more frequently on cheaper items. I’m generally a clever spender — waiting for sales or using discount codes. But I always have some savings behind me to cover me for albatross fights. Always.
http://profiles.google.com/nadinearmiger Nadine Armiger

Saver. Plus I have dependents! If I spend $200 on [whatever], that’s $200 my family will never see again . .
bianca

i have zero savings. living pay to pay, not because im a spender nor a saver, unless you count bills and rent spending. once i pay for those things, there is no money left to do anything with. sad face.
http://twitter.com/frockandroll Corrine/Frock&Roll

A saver. BIG time!
http://twitter.com/ashleygee Ashley Gee

ohemgee, I WISH I were a saver. I try, I really, really do. And right now, I’ve actually got more saved than I ever have before (we’re moving in July and we need money for that, apparently). I keep telling myself I’d be more of a saver if I made more money to save, but after all my bills (rent, phones, etc.) there isn’t much left over. And what is left over I always seem to lose on tons of tiny little purchases.
http://twitter.com/ScribblesNZ ScribblesNZ

Ugh, how timely. I’ve been doing spreadsheets today to try and plan where my money is going over the next few months. I’m trying to pay off my overdraft (built up during Round 2 of being a student) and I feel like swimming against the tide. I’m outlaying so much to get myself fit and healthy at the moment – WW Meetings & physio, not to mention clothes and underwear to fit me as I shrink – to achieve one of my goals and all of this means that it’s at least July before I get out of overdraft!
All of this probably sounds like I am a super-spender but I scrimp, save and bargain everything I can. It is just so frustrating to have such conflicting commitments in my life right now.
http://inkandleather.blogspot.com Granthrax

SPEEEEEEENDERRRRRRRRRRR !!!

I am the living embodiement of a toxic assett. I make a decent wage and have very few expenses; and yet I live pay-week to pay-week, struggle with my multiple credit card and loan repayments and have zerro savings.

I’m generous with my money, but I’m also overly materialistic and love the actual act of shopping and spending. I could literally spend a whole day shopping, and then want to go again the next day. I’m terrible.

For me the worst part is that I’m moving in with my man in September and I’m terrified my inabilty to save is going to be a liability to him :”S

Xx
http://profiles.google.com/clms76 Claire Stephens

My name is Miss C and I am a spender………………..I even have work colleagues who act as my financial conscious to stop me spending!! I do have a good amount saved as I am desparate for a home of my own but if that was not on the cards I would have nothing in savings. I too “love the actual act of shopping and spending.” as stated previously!! And online shopping…………dangerous!!
http://www.smaggle.com Smaggle

Me too! I actually appear to spend more than my friends but I’m just more likely to spend on genuine leather or something beautiful rather than something cheap.
http://www.smaggle.com Smaggle

Actually that’s a really good point. Man mothers are on it.
http://www.nessbow.webs.com Nessbow

I am a saver and I always have been. At the moment, my frugality is forced, as I’m living on a rather tiny income. Even at times when I’ve had fewer cash-flow issues, I’ve always been pretty good with my money. I do have the occasional blowout, but they are few and far between.
http://harlowdarling-elegantlywasted.blogspot.com/ Harlow

YAY Smaggle question time! Btw, I’m loving that you are posting your casual wear now, keep those posts coming!!!

I am at ties with this spender/saver question. You see, I buy A LOT of things very often, but, I only buy things on sale and go to huge efforts to seek out things that are pricey and I really really can’t live without online before I hand over the cash, and I shop around a lot to get deals. But does that make me a spender or a saver? I like to spend as little money as possible on material things so that I can have more money saved up for a rainy day (dental emergency/vet bills) but that doesn’t mean that I don’t buy material things much, it just means that when I do buy them they are super cheap…
http://interrobangsanon.wordpress.com Katie

I have enough saved for an entire year at my current level of spending, or 1.5 years at a reduced rate. And that is what lets me sleep sweetly each night.
The Striped Notebook

I like to consider myself both a spender and a saver. I try to balance out both, although my savings would be even greater if I didn’t give in to my spending side with such abandon, on occasions. Erin
JMB

Oy, I am a spender by nature and a saver by years of crushing guilt. I shop (and eat) when I am depressed, but then make myself return things…also, I am currently living abroad and traveling a lot so I am not allowed to buy things that are 1) heavy or 2) not portable. That means jewelry is OK!!!!
Dr Na

Such a spender. I’m trying though. But my level of savings is such that I might just be able to live for about a month without working. Isn’t that horrendous?
dr stumpy

I would have been fine for the best part of six months – when you’re a student for 9 years you get pretty good at economizing. However as of next week I will be in debt as I have… wait for it… bought a flat!!!
Hopegracey

I try to live below my means and save. I truly do. I buy clothes and shoes, true, but never pay full price for anything. My credit is near perfect. But do I “save?” Lord help me, I’m a teacher (… a teacher in New Mexico, USA… need I say more?), a student loan payer, a home owner, and I got myself a car this year- a used Prius mind you, but… at the end of the day I have little to no savings.
The beauty of this situation is the master plan behind the long term of it. I just hope my insurance (or various kinds) will cover any home, body or car damage… or my cremation fee (not to be a downer… but a girl’s gotta look out for herself) as well as the other debt I so religiously pay down.
The plan is to get married (happening this summer,) combine bills and households and rent my first home out (gaining equity without paying each month- Holla!) pay off the car (throw extra each month toward the principal balance to knock it out sooner,) keep my job at a non-for profit school and continue scoring 0% interest on my student loans… so in 2-5 years (assuming NOTHING will push me off the tightrope,) I will be a saver!
Spender? Perhaps.
Saver? Arguably.
Strategizer? Right on the money.

Smaggle

Question – Are you a spender? Or a saver?

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