Hexus Saving's. A question for you:

[Mike Fishcake]

Any spare money is currently being used to pay off Credit cards, because the interest I'd have to pay on a credit card would far outweigh the interest I'd earn in a savings account.

[tiggerai]

^ exactly the point i was making...

Pay off credit card... then save...

[phunkygal]

i am only 18 but have been saving every penny i can for my life for when i need it later in life... prob for house. have quite a few grand in ISAs. apart from rent and bills tend to live off 5 a week when at home, 15 when at uni. comes from growing up so poor now i have loan etc dont feel i can waste it so it just stays in the bank.

[0iD]

My wife saves & I spend. I'm a total online shopaholic if I'm honest. Much better than I used to be, only one credit card these days Kids & child support seem to suck up the vast majority of my monthly wage.

Never been able to save tho......I am weak.....see.......want.......buy.

[5lab]

a whopping £0 at the mo

i'm blowing money left right and centre for 6 months (having got out of debt and got a payrise in the same month), then i'll start being sensible. first thing on the list was my new telly (finally) arriving tomorrow \o/

[kaillum]

My wife saves & I spend.

LOL.. exactly the same here m8e...I spend.. She Saves... and i'm the same.. see something I want.. Buy it and then worry about how to pay for it! Probably why we've got a few credit cards & loans with what others would think of as a 'scary' total

But we do have enough 'assets' that should the need arise to pay everything off, we could do.. without selling the house from under ourselves...

[headbrace]

I have no savings of my own at the mo, I'm only just 18 and haven't been working much at all. However, I do make a point of not letting my bank balance drop below a certain amount. At the moment I have no necessary expenditure, but that will change should University all work out. I'm working a bit at the mo, so I'm thinking of putting that into a savings account/ ISA. I do my best not to spend much, which means I can afford to treat myself every now and then. By doing this, most of my friends think I am a free-spending trust fund kid with expensive tastes, but it doesn't cost me as much as you might think. Which is nice.

I also don't have a CC yet, although I think I should get one to build up a credit rating. I do have a savings account, but I don't get to it until I'm 21 at the earliest. Luckily my parents have been pretty good at getting me to budget things, so I hope I won't fall into any major difficulties when I'm on my own.

[Gordy]

I'm terrible at saving. I have a horrendous amount of credit card debt and student loans. TBH I'm in denial about them and try to ignore them.

That said I own my own home outright at the age of 26 so I'm not in a bad position overall.

[Spunkey]

£450 a month direct debit to my savings account. ATM its paying off the credit card. Then its paying for my new machine

[Matt1eD]

I'm 15 and I owe my mum several hundred quid, have quite a bit in premium bonds but otherwise I just spend spend spend (all on computers!)

[iMc]

Me and the gf are just earning enough to pay for rent, food, petrol and the odd pint/luxury at the moment.

Hopefully I'll be able to start saving some when I get my student loan and carry on working.

[Trash Man]

£300 a month goes straight into a savings account, which was emptied last year after moving house again. Saving towards a new kitchen at the moment.

[Howard]

I hardly earn much in my part time job atm (looking for a fulltime job) so I don't really save as much as I should. I have a savings account but it has virtually nothing in it. I'm so childish with money... I really should be saving it for the "future" but I just spend it all on unnecessary crap... Like many teenagers I spose

[5cupa]

something like £250 a month although as bills go up such as my council tax and car insurance etc that £250 soon goes into minus £250....its a never ending fight for everyone I guess

[Starburn]

I save loads
Still have most of my student loans left from my first two years & I'm only spending probably 25% of my earnings each month (in my IE year atm) per month atm.

I think about savings er occosionally... just watch what I'm spending really.
All my wages/student loans go straight into my savings account.. then I nibble at it when needed.

[Tarinder]

I try to save around 20% of my income. Sometimes that happens, sometimes not. Depends upon which gadget takes my fancy