Save a boyfriend for a rainy day - and another, in case it doesn't rain.
I've always saved. I believe in keeping money back for a rainy day and living within my means. I don't buy expensive clothes; I have a 10-year-old car I'm hoping to replace when a big job comes in. I suppose when we do go on family holidays, I am quite happy to spend when we are there.
Savings is an important tool because it can help the poor deal with the ups and downs of irregular earnings and help them build reserves for a rainy day.
You know, to preserve our job-friendly climate the Texas legislature didn't raise taxes this last legislative session while balancing their budget and maintaining their reserves - and might I add that our budget leaves $6 billion dollars in a rainy day fund?