99 Problems: Are You a Sort-Of Good Saver?

You may remember me (and other bloggers) mentioning the $999.99 giveaway. Believe it or not, the dollar amount is not completely random. There is a purpose for it. The theme of this giveaway is inspired by Shawn Corey Carter, a.k.a. Jay-Z. The inspiration comes specifically from the eloquent lyrics:

“I got 99 problems but a bish ain’t one, hit me.”

While I won’t hit you per se, I will try to throw out some constructive jabs. Over the next few weeks (the giveaway concludes at the end of February), I will ferociously write ninety-nine as many articles as I can focusing on the most common money problems people make.

Since February is an abbreviated month, let’s get started…

Problem #1

The Sort-Of Good Saver

Everyone knows that they should save. But, since American schools find it more important to teach cursive hand-writing over checkbook balancing, NOT EVERYONE KNOWS HOW to save.

The “Sort-Of Good Saver” describes a lot of peoples’ saving habits. This person is fully aware of the benefits of saving but what they don’t know is – where and when to find savings. Does this apply to you?

You are a “Sort-Of Good Saver” if you go to the grocery store and stare at 2 brands of toothpaste. Although you want the extra-strength whitening that one provides, you opt for the generic brand because it’s 10 cents cheaper. Your grocery cart is an accumulation of many 10 cent-savings and you get a HUGE GRIN when the cashier says, “You’ve saved $23 on your visit today.”

You then take your $23 savings and load your groceries into your 2012 Mazda 6 that you financed over 60 months.

Is this you?

Problem #2

The Transitive Saver

The “Transitive Saver” is similar to the “Sort-Of Good Saver” but differs slightly. The “Transitive Saver” is extremely conscious of the savings from purchasing X and intentionally uses those savings to purchase Y. The intent is what separates problem 1 from problem 2.

For example:

I LOVE a night consisting of dinner and a movie. While at dinner, an alcoholic beverage -or- dessert normally calls my name. As a saver, I know both the liquor and liqueur are ill-advised purchases. Because of this, I kindly decline and head to the theater. When I arrive at the theater, I determine that the $5 savings from dinner can be applied to a tub of popcorn at the movie – like a reward of sorts.

Do you intentionally use “savings” from purchases you don’t make to reward yourself elsewhere?

Is this you?

Readers: I hope you will be able to recognize some of your own flaws in the 99 Problems series. The first step to fix a problem is to acknowledge that there is a problem. 

Written by A Blinkin

A Blinkin

Hunter, aka A. Blinkin, is the blogger behind Funancials. His experience in banking, lending, payments and investments has earned him the title of “Personal Finance Guru.” In addition to helping people with their finances, Hunter enjoys crunchy tacos, spending time with his wife and puppy, and writing in third person.

Was this article helpful?

Enter your email to have fresh Funancials content delivered straight to your inbox:

Delivered by FeedBurner

No spam, I promise.


  1. says

    I’m with Grayson – I also used to be a transitive saver when I was in my younger 20s, but soon realized the error of my ways.

    I think I’m going to love this series. Now I’m singing that Jay-Z song (one of my faves).

  2. Dillon says

    I am a sort-of-good-saver, but I am not sure I fall into either of those categories. In January, I saved 60% of my income. February looks more like 9%. Hoping March will be better….but I don’t really want to try, I just want it to happen :)


Leave a Reply

Your email address will not be published. Required fields are marked *