How cheap are you? Do you save or spend?

United States
February 1, 2007 2:23pm CST
How are you with your money? Are you frugal? Do you spend every dime? I guess I tend to be on the cheaper side. I cut coupons and am always looking for a sale or discount. But, I'm not a cheap person. If there is a big item I need/want and I don't just go for the cheapest thing. I research and get the best for my money, even if that means spending more. You should have seen all the research I did when buying a car. I wanted to make suer I wasn't wasting my money. So, how are you.... are you a saver or a spender?
24 people like this
137 responses
@villageanne (8554)
• United States
1 Feb 07
I personally hate money. It makes people mean! I am frugal shopper. I watch my pennies. I do buy nice things though. I will pay more for something that I think is better than other brands. I do not buy cheap electonics or applinaces. I know that you get what you pay for. I do shop at ALDI's for my groceries. I also shop at thrift stores for material for my quilts. I make my own quilts. I bought a HE Front loading washer to save on electric and on water bill. The initial cost was higher but it has saved alot on my power and water bills. Plus it uses less detergent. No, I am not cheap but I am frugal and I love saving money.
1 person likes this
@janjabu (110)
• Qatar
2 Feb 07
when i first read your comment, i thought you meant you "hated money" which is why you spend them all to get rid of them! haha it's the joke answer. :) wow you make your own quilts! that's good for you that you save money. i should learn to do that too.
1 Feb 07
I am always looking for a bargain and often don't go out shopping because I know that I will spend money that I can't afford. I have bought the cheapest option before, but I find that it sometimes isn't the best option as you have to replace things sooner. I don't acutally manage to save that much money because I am on a budget. Hopefully a bit of income from this will help!
1 person likes this
@kareng (30598)
• United States
2 Feb 07
I love shopping for bargins. Sometimes I will see something in the store and say...wow, they sure do have a bunch of these! Then I'll look at the price tag and think it is really now worth it so I'll just wait a week or two...this will be half price! It is definitely a savings to use coupons if you get in the habit. I used to be a clipper and refunder and I made several hundred dollars a month (cash back) plus saved up to 50% on groceries.
• India
2 Feb 07
whenever i have money, i love to spend it bcz as i think currencies are just a piece of paper if you dont spend it. actually money is always to spend. the only thing i keep in mind is that the it must be utilised in the best way possible. that means save only that much which will avoid you to borrow money from others in emergencies. and rest you can spend in shopping for your needs and for other good purposes.
• United States
2 Feb 07
I think I'm actually a bit of both. Sometimes I'm really frugal with my cash and really watch what I spend. Other times, I'm pretty careless and spend a lot of cash and then feel a bit bad about it later. I try to clip coupons and everything else to save cash, but I also do what you do and research everything so I'm sure I get what's best for my money.
@maryannemax (12168)
• Sweden
2 Feb 07
haha! i also feel that way but just rarely, spending carelessly and feeling a little guilt afterwards. but i guess that's fun sometimes, too.
• United States
1 Feb 07
I'm probably the cheapest person in the world, but I do save also. I make sure I buy things I need first before things that I want.
@seabeauty (1480)
• United States
1 Feb 07
I am not cheap but I will do what you do Just and that is I will only buy what I need first. I used to spend money like it was going out of style but in the last year I had to tone it down because now my husband is making less so I have had to refrain. My husband does the food shopping and he is the type that will not buy a name unless its on sale and has a coupon. Most of the time he will buy the store brand.
• United States
1 Feb 07
I think we shop the same way. I clip coupons and look for the bargains too! Why am I going to pay $4.oo for milk when I can get it for $2.50. My teenage daughters always walk away when I get to the checkout line, no way can they be seen with me when I am using coupons. I once left my cart at CVS and went back home to get my coupons. The cashiers all know me and my girls. My daughter came home later that day and said thanks for embarrassing me. I was a little bit confused because she spent the day with her friends. The girls went shopping at CVS. The cashier made a big deal about me forgetting my coupons and returning home to get them. Just what my daughter wanted her friends to hear. LMAO
• United States
1 Feb 07
that is funny!
@msqtech (15075)
• United States
1 Feb 07
I am very frugal it takes me six months to get the best price on a car and I always try to find the best price for everything I save and I figure I get more choices if I do it well
• United States
1 Feb 07
good! I agree.
7 Jan 12
Up until recently I have never really saved, but am starting to wish I had saved more and am starting to put a bit away. It's tough as no matter what I earn, always lots of things that I want. I tend to research prices and have a good idea but service is more important in the long run so I don't tend to go with the cheapest providers, but ones where I am likely to be looked after
@shrmanoj (382)
19 Dec 11
I am also as like you. I earn as I need and also spend too much money for my needs. In this world, in my view most of the people are like me and they buy or spend their money as needed only, not more than that. Thanks really very much for this question.
@jpso138 (7860)
• Philippines
19 Dec 11
Spending for me depends on the item that I wanted to buy as well the reason I need it. When I could find a good deal, then of course I would go for it. But there are those that I really like and despite the fact that its expensive, still I would go for it for as long as I can afford it.
@Anne18 (11034)
17 Nov 11
I save and save as much as I can, I try and be as frugal as possible and eat nice and healty and make sure we are all nice and fit. It is cheaper to make food from fresh supplies than buy ready made. So that makes me a saver all the way
• United States
16 Apr 07
I TRY TO SAVE AS MUCH MONEY AS I CAN, BUT I OFTEN FIND MYSELF STRIVING TO MAKE IT THROUGH THE MONTH.I WORK FOR THE STATE SO I DONT MAKE A LOT OF MONEY, BUT I TRY TO DO THE BEST I CAN.SEND ME A LINE randalltodd1966@hotmail.com
@RobinJ (2501)
• Canada
15 Mar 07
I live on a very limited budget, it doesn't allow for more that a $20 play around. I do not have money for a lot of thing I don't need, So before I make any purchase I I research it out, I plan on how I am going to pay for it. Like my computer. I have wanted one for years, but couldn't because I wasn't in the position to pay for INTERNET,So I waited and waited, The last summer it all fell into place. The phone company I have dealt with for years had a special, sign up for 3 years and get a monitor screen, So I went to my favorite computer store and asked if they had any good deals, The manager said not at the moment, but give me you phone number and i will call you as soon as I can get you a deal. With in 2 weeks he found me a deal, as well as 6 month no payments no interest, no nothing,.As you can see Here I am and having a blast. so cheap I may be, but I am happy with me and that is what counts in the long run
@hcromer (2710)
• United States
14 Mar 07
I spend every penny that I make. Often I don't even get a chance to put any of my money in savings. I usually have my entire paycheck spent on credit cards or other bills before I have even earned the money.
@babyhar (1335)
• Canada
2 Mar 07
I would have to classify me and my other half as savers as opposed to spenders. We are more interested in holding on to more of the money we make as opposed to just literally blowing it on nothing. I don't think that it's smart to spend all your money without putting some away for your retirement or just to save for future necessities or just as a safety blanket. I know from personal experience it's better that we put money aside for the things we want to do. That way when the time comes, we aren't racing to find money under a rock or something. I know that my other half & me didn't put money aside for a long period of time. And we found ourselves in a rut because when there was an emergency.. We had to take it from the money that we barely had already.. It ended up setting us back & causing the time before next pay day to be incredibly difficult. There we're times where we had to literally eat certain foods all the time that we're the same because that is all we had in the house. And bills came first always. Now because I budget for me & my other half each pay day. We put money aside to save up. We have a savings envelope, but we also have.. An emergency fund envelope just in case if there was something ever to happen.. We'd have a back up plan.. So I consider us to be really good at saving money instead of blowing it away on things we don't really need. I know that I have personally always tried to put aside money from when I worked at previous jobs so that if there came a day where I needed some money, it was there. When I met my other half he had very little when it came to savings. I'd like to believe I taught him something about the value of a dollar. He thinks more when he goes shopping and that's big to me. I don't like to waste money so any way that I can find for us to get some of it back I will go ahead and take advantage of it. For example just recently we bought a computer desk for around two hundred dollars. We just found it on sale at the same place for thirty dollars cheaper than what we bought it for. I had my other half take the receipt back and get a price adjustment for it from them. They gave us the thirty dollars back and we're very helpful in the first place. I know that whenever we need something for the kitchen, whether it be a utensil or a certain sized bowl we don't have, I can count on a dollar store to have what we need. I don't need some high priced department store item when I can find the same thing at a dollar store for a better price. As well, the quality between both of those places is really not that much. I believe that sometimes the things you get at a dollar store can even be better than a major retail chain department store. I don't know why more people don't go ahead and try to find ways of saving more money by doing things such as this. I believe that doing comparative shopping leads to a person getting the best price on any item they want to buy. Whether they get it at a department store or a dollar store it doesn't matter, as ling as it serves it's purpose and has the best price. I also do like you do & will cut out coupons when it comes to certain products. Or I will even go ahead & look at the coupon bulletin board when I go grocery shopping just to get a few dollars off of the products I am wanting to purchase on that specific pay day. I find it truly can help a person save on a great deal of money by doing things such as this! In conclusion I think it is very smart for people to look at the price they are paying for something and think to themselves are they getting the best price or is there a cheaper one out there? The only way they can find this out is by doing some price comparisons to see who has the best price on it. It's worked the best for me and my other half I know that for sure! . . Thanks for allowing me to share! xx
@cabergren (1181)
• United States
4 Feb 07
I am not cheap and I wouldn't call myself a big spender. I just like to get the best I can get for my money. I use a lot of coupons. I just love to save money on things. So I guess I would be considered a big saver and not a big spender.
@LittleMel (14033)
• Canada
4 Feb 07
I save by buying quality stuffs so it lasts longer. it's not cheap in the beginning but it is in the long run. I also don't buy I don't need. We get to save faster that way.
• United States
3 Feb 07
It depends on my money situation. If I have a little extra spending money I'll look at the clearance racks in the mall. Or buy a starbucks coffee since normally for me- it's a fancy treat. If I'm running low, I'll become picky about every purchase. I'll make sure there isn't another form of the product I'm buying that is less expensive.
@diannebcrs (1549)
• Philippines
2 Feb 07
i always go for sale. i mean, who doesn't? but yes, try to pamper yourself once in a while to. i think we should all just try to strike a balance between saving for the future and compensating ourselves for our hardwork. and i don't think that going for sale would qualify a person as "cheap". i even go for surplus items on sale coz i don't see the point of having to spend so much on an item. things normally go thru wear and tear so it's wise not to spend all your dimes on just one item. but then again you have to put in a good investment for important stuff like a house, a car, appliances coz the cheapest ones can't really guarrantee long shelf life, right?