September 18, 2025

Greetings!

I remember being about 12 years old when my mom handed me $5 and told me I could either spend it at the corner store or save it for something bigger. I marched down for candy, of course. A week later, my brother had saved his and bought a baseball glove at a garage sale.

That glove lasted him years, and I was left with empty wrappers.

That early lesson still sticks with me. Some of us lean toward saving, others toward spending, and neither side is "wrong." But knowing your natural style can help you make better money choices, reduce stress, and set realistic goals.

Below are a few insights and ideas to help you figure out where you stand and how to make the most of it.

Be Well,
Anisa

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1. Recognize Your Money Personality

Savers love to build security. They enjoy watching a balance grow. But sometimes they can be too cautious, missing out on experiences or investments.

Spenders value the joy money can bring now. They enjoy treating themselves and others. But without balance, they may face debt or financial regret.

2. Find Your Balance Point

If you are a saver, challenge yourself to budget for small joys so you do not feel deprived. If you are a spender, set up automatic savings so you never skip it. The healthiest financial plans mix both approaches.

3. Quiz: Saver or Spender?

Answer yes or no:

1. Do you check prices and compare before you buy?
2. Do you often shop to celebrate or cheer yourself up?
3. Do you feel more excited by a growing savings account than by a shopping trip?
4. Have you ever hidden a purchase or downplayed the cost to someone?
5. Do you set financial goals and stick to them?

If you answered mostly yes to 1, 3, and 5, you lean saver.
If you answered mostly yes to 2 and 4, you lean spender.
If you are mixed, you are a “blender” and probably do best with a clear budget that allows both saving and spending.

4. Build a Plan That Works for You

Once you know your style, create rules that play to your strengths. Savers might use automatic transfers to retirement accounts. Spenders might use prepaid cash envelopes for fun purchases. Blenders can divide each paycheck into three buckets: save, spend, and share.

In Closing

Whether you are a saver, a spender, or a blend of both, what matters most is being aware of your tendencies and adjusting for balance. The key is not to fight your personality but to work with it in a way that brings both security and joy.

You Said It, We Saved It

From the 8/24 edition...
"Since cutting out soda, I save around $50 a month and honestly don’t miss it. Water is free, and my wallet thanks me." – Brandon S.

Reply back to me with any comments on today's or past issues.

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