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By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later. That's hard. Our brains are hard wired to prefer the here and now.

The problem with not saving is it can often mean you're - a crisis away from, as we've seen in some cases, living in your car or losing your home or - having your lights shut off.

As long as women are in the work force making their own money and decisions, men are going to have to realize that this way of life is here to stay - because it takes two incomes to make it and more now. The sooner you address your style of saving and spending with your mate the better off your relationship will be.

When you make the sacrifice in marriage, you're sacrificing not to each other but to unity in a relationship.

The bonds we create in the household are the most important and lasting. Savor them; they're sacred.

Relationships shouldn't be disposable. If there's something worth saving - not always the case, some relationships are irreconcilable - but if there is something that you determine is worth saving, then try to do that.

Men tell me that I've saved their marriages. It costs them a fortune in shoes, but it's cheaper than a divorce. So I'm still useful, you see.

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.

Many savers are also homeowners; indeed, a family's home may be its most important financial asset. Many savers are working, or would like to be.