Or save up to spend their extra money

Perhaps all the people attending meditation on this subject ... How to live, how to deal with the extra money - to save or spend? And where better to save money - in an account in a bank or a bank of glass or tin, for example)? Let us consider these options ...
1. Accumulation. In order to save a good idea to plan your expenses and keep a certain amount on them, and all the surplus put into a bank account. You can also find yourself a plastic card and keep all the money on it, without a penny in his purse. Set yourself a strict limit on the month, and not to spend unplanned. But in this case will always have to deprive yourself of small (and not only) the joys of life! But maybe someday, save up for a performance of his big dreams! If you die forward, of course, or the bank does not go bankrupt, or you will not become a victim of extortion, fraud and scams - and now can be any swindler, even relative ... But why "now" - always has been .... For some people, people do not have that choice, they have the money on necessary expenses, and those lacking.
Having in his bank account even a very large sum, one gains some confidence in the future. Count on that they can spend in an emergency ... For example, "if I get fired tomorrow, I can at least 3 months to live without a job" ... And once the soul is calm and sleep better ... somehow As money can be invested in things that can serve you in the present, but if necessary they can sell ... Some hoarding becomes a passion, they are willing to live on bread and water, rummaging in the garbage, begging, but all have a bank account (and in such cases are often used socks, stockings, cracks in the wall of the long time not to make repairs, and the space under the mattress on the bed spring). And for those who are not yet out of his mind, can begin emotion. when the amount in the account becomes serious, because it can be embedded in any business, and grow. Or you may lose "all that is acquired by overwork" ... Now, the big money is not allowed to sleep at night .... And not that it matters, where it is stored - in a Swiss bank or in a tin on the fifth shelf in the closet ...
2. Waste. Live for today, all my carry, to take out of your pocket or purse as long as necessary for the purchase of daily-required or even necessary, and one that I just wanted to ... And if the pocket was empty ... think of something! It is an ideology of free individuals, informal groups, but also just splurged and marginal elements (drug addicts, alcoholics or players) who give in to their passions and can not stop. If you do not financially dependent on you people (children and disabled relatives, or simply of old), and you believe in yourself, do not fear to die of hunger and to live on the street - you have the right to live and.
And yet, what lessons? Hoard or to spend and live only for today?. Comes to mind first - a quotation from the Gospel of Matthew, "Do not store up for yourselves treasures on earth, where moth and rust consume and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break and steal. "
Second ... I remember a lecture at the university told us the story of a tribe of natives who tried to civilize, offered them jobs and pay. Wages there for some reason given daily. So, they bought their food with the money, and the rest of the money went for the evening on the tram. They do not understand why they should leave something for later, for tomorrow. But there it was a country that is always summer, and this is a big difference. Russia - a country where it is cold and bitter winter. If all to squander not concerned about the small stuff and entertainment, to stay on the street, without warm clothes and even without food for a while in the winter is dangerous to life! Even in summer, you will probably be scary to sleep on the street .. Moreover, it is one thing to stay yourself, but when you depend on your life dear people, it is quite another matter.
I think the truth is somewhere in the middle. In the matter of which is more important - the daily small joys or execution big dreams and financial stability, you must listen to yourself, to your voice of reason and intuition, as well as the advice of smart people ... And it may be with you, and then, and more.
What to do with their surplus? What to do with your extra money: save, open a bank account or spend, to let the world, and then when I need to borrow and take out a loan, but to live to the maximum, not regretting a moment of his past life? This is a question that is worth reflecting! You can, of course, do not bother, just work, make money, and if necessary, take, how much money by taking out a loan on the internet for 5 minutes without the hassle and certificates!