Do you enjoy saving money?

[Scanner]

I enjoy investing, not so much saving.

But I need to save to invest.

Fine difference, I'll admit but there is a difference between saving and investing.

[Ima saver]

Well, I have about half my money invested in mutual funds. But I have the other half in a money market and I enjoy watching the interest add to the account each day. Since I am getting about 5.25%, it does add up.
(I have to keep quite a bit in cash because we build spec houses.)

[th_tan]

I wouldn't say its fun to save, but I enjoy looking at my savings account and looking at the numbers. They sure do add up after awhile.

[tabbycat31]

I make my savings "goal oriented" and often I will have several goals at one time. Most of my savings are in ING direct.

I have various accts in ING.
They are "savings" which is a liquid emergency fund. Currently it's at 12K, my goal will be to get that to 20 for just about a year's worht of expenses

Then there's "jewelry" which is for my jewelry business that I am trying to start up. I started it with $20, and so far it's only grown by a few cents interest. However half of any sale I make will go in there, and that will be used for supplies, etc

Then there's "car" which is a car replacement fund. I also started that with $20, and it's at about $2000 right now. I really got intense on this one when my car died, and it was supposed to be for a downpayment. Now it looks like I will buy my dad's car for much cheaper, and that will be towards my next car.

Then there's "retirement' which I will sock money in, and then fund an IRA closer to the time I file my taxes. I put all of my refund this year in that acct so I won't have to worry about coming up with the $$ come December.

As I get more specific goals, another subacct will be opened for it.

[PauletteGoddard]

I like working to achieve my goals and seeing progress. I don't like saving money though, it gives me a headache. "What can I do to cut down my electricity/gas/water costs?" Figuring out if spending $ will give me a decent payback $$. Trying to keep on top of two people spending money when neither of us writes anything down. Receipts to be used for the tax year getting lost everywhere. "Are we better off owning than renting? Where do I put all these loose coins? If a CD is paying 5.09% a year do I put money in that or do I use my money as extra principal in my 5% mortgage? Is it worth trying to find paper rolls for them, or should I fork over an 8% to CoinStar? Is it worth the thirty-nine cents mailing or the 6-mile drive to deposit money? Trying to keep a price book so I'll know whether to buy chicken breasts at any of four retail outlets. Having no outside-the-home job, this might be a fun way to exercise my investigative and analytical skills, but traffic and a FT-and-then-some job leave me brittle and unable to have calculator/spreadsheet fun at the end of the day: all I want then are hugs and a good cooked dinner.

[PetMom]

I started our strict savings plan (mainly more of me saving though)
3 months ago. Today is the first day I have felt blah about it.

I had forgotten that spending money was basically an activity
to do. The long weekend afternoons at the park for free are
not such a great idea when a cloudy day is here.

I so wanted to go out and spend today - not much - but it
still would have been $30 or $40 on something that is not
necessary.

I used the boring afternoon to look over our
spending and really saw in actual figures how far we have
come and how great it is to have a financial cushion in the
bank. We used to have to stagger our bill paying racking
up late fees as we tried to find the money to cover expenses.

[Ima saver]

Saving money is an activity too, you just have to find ways to have fun with it!!

[baking23]

I've always enjoyed saving, since I was little, so a big yes from this corner.

[bigsaver]

Saving money is a pastime for me. My parents gave me the nickname Ebenezar.

[rob62521]

Saving money is a pastime for me. My parents gave me the nickname Ebenezar.

Well, Eb, you can laugh all the way to the bank! :-)

I think enjoying to save money is often a result of changing your mindset and realizing the security of having a nest egg is valuable, and very enjoyable because it allows you to dream of things you could do with the money. We have a friend who spends a lot of money he really can't afford. It appears the thrill of the hunt is really his high because after he gets the item, he soon grows tired of it, but the anticipation was the real enjoyment. He hasn't caught on to that yet.

[Ima saver]

I can remember when we use to take a whole day off to go to the mall. (it is a two hour drive away, one way) The whole idea was to take a day off to go and buy stuff!! When, I didn't buy anything, my husband would almost get upset. It was a fun thing to do.
Now, i don't like to go shopping. I was buying things I really did not need. I much more enjoy going to the bank once or twice a month and adding money to our money market account.
I love watching that interest build up, day by day.

[The Budget Man]

A person who feels good when they save will see money very differently to a person who finds saving a nuisance or almost impossible.

This is because we each have a "Financial Personality".

Our attitude to spending gives a hint about our "Financial Personality".

Financial failure is guaranteed when we try to budget in a way that does not suit our personality.

Financial success is guaranteed when you budget in a way that fits with our personality.

When we first started telling people about this there was some scepticism.

Now that tens of thousands of people have taken the "Personality Budgeting Quiz" and proved that they can be budget succesfully if they do so in a way that suits them.

The bottom line is this... If you have had difficulties saving in the past, you can now succeed when you do itt in a way that suits your "Financial Personality".

[Staceyy]

I enjoy saving, I just wish I had more of it to save!

[Ima saver]

I really enjoy saving money. I like to put money away each day in my cash box and then take it to the bank about once a month. I love the fact that I have not had to touch my savings for anything at all this year. The $20 challenge has been a big help in my saving money!!

[shengmei]

I love saving money. It is like a game for me. I thrive on the adrenaline rush fueled by my math skills which I am constantly using to compete against merchants who try to sell to me.

However, I hate it when others know I am saving money. It seems that everytime we save enough money to buy a house, someone comes into our lives and spins a heartbreaking story of personal disaster. I am tired of always be the nice preson, so I love saving money secretly and not let anyone know (except you guys, of course )