Ready to Save Like There's No Tomorrow? 　　　Are you a saver or a spender? 　　　　"Saving money is earning money", this old saying calls on everybody pay attention to the wisdom of saving money, “Putting money away for a rainy day” is method that plan for future. 　　　People who do not want to cost money are called tightwads, and people who make the value of the money bigger are called thrifty. The tightwads and the thrifty are different. A spendthrift is someone who spends wastefully. This sort people often described as" spend money like the drunk sailor or spend money like there is no tomorrow". 　　　In America, people have many choices when they want to start a savings account, including bank and credit unions. Credit unions service for some related people. Such as, the members might work for a university or a university organization. Mostly credits are non-profit organization. 　　　Credit unions and banks and other finance organizations pay interest on savings accounts, but very low. 　　　Another way to save money is through currency fund, which is a mutual fund. They take the money of the fund to invest. Sometimes the money is used to invest governmental debt. However, the currency fund would not be like other saving to provide union government guarantee. The union saving insurance company (FDIC for short) 　　　For years, some people save less and less money. Economy cooperation and development organization have thirty six members. This organization claimed that, in 1990, American family saving rate was seven percent, and this year predict higher than four percent.