I just shove all my sp into my vault and never spend it, mostly just because I'm to lazy and my computers to slow for me to take any of my sp out. I only spend what I have on hand if I spend anything at all.

That's certainly one way to do it. xD

I do item hunt, Sagittarius quest and wizard quest. I save the wiz tokens, sell other items, and stuff the sP in the vault and almost never spend it. I have earned a nice chunk of sP that way ;3

I love to save (Or hoard, whatever you think. xD) and always try to put as much in as possible while still keeping it a calean number. (For example, I have about 15,400,000 right now, and I would freak if it was like, 15,402,143 xP) And I usually give myself about 100k spending cash. I don't like to dip into tha' savings, but I do sometimes. x3

I am one of those people that can go a very long time without spending anything. :) I guess having to buy 1000 Point Wizard Tokens takes care of the need to spend. I am up to 45mil, the highest I've ever been at one time, so my new saving habits are paying off! If I want to buy something, I usually just go ahead and buy it, otherwise it will bottle up inside me and then my bank vault explodes everywhere and I have nothing left. :D

I have an allowance for myself (50k), which I use for my pet's training, restocking and quests. Usually I don't need to dip into my vault at all (unless I've been RSing a lot), because if I need a little extra I'll just play Random or Tiles.

If I can set myself a certain goal I can save but if I can't I just spend my points all the time on everything. I'm sooo bad. Right now I have the goal of buying a Sealed Clamshell and then My goal is to by an ornate pitcher or whatever and get a glade pet

I'm absolutely awful at saving. I'm always finding some new wearable I -have- to purchase. It's bad.

lol, I don't save. I'll sell something worth a lot, and then go on a spending spree. And then a couple months later, I'll do the same thing. And in between, I'll keep about 15-50k. I suck

I have a max spending limit of half of what I make each day. The only money I ever have on hand is money from restocking, games, and Item hunt. Everything else just sits in the bank and rots.

Yeah, I ususally just don't sepnd for a long time, and then I just buy a couple things. And a 1000 point wiz token, vend, autoprice (wich I haven't done for a while xD), and then save again. lol

Spend sp? NO! Mine. hordes

I actually want so many very very expensive items, I haven't been able to bring myself to actually buy them and be broke. Silly of me.

I usually wait until I have at least 1o-2o mil in my till and put a good 75% in my vault. I only let myself use whatever I have onhand unless it's an emergency x:

I have many issues with saving sP, mainly because I'm an impulse buyer, especially with wigs! x) But when I need to save sP, I'm usually able to.

Lately, trying to keep myself away from the SHQ HA Generator. It's what causes me to spend 20mil at a time. Like with my current HA -coughs-. So far, I've refrained from doing that for almost a month. And I try to trade out items for WL items instead of sP. Plus, I have hoards of items hidden in random places.

Fiacha-I know how you feel. That new avatar just looks so perfect, and then BAM. 23 mill price tag. Dx

I fail at saving. When I want something, I go an art selling binge and draw until I can get it...

I usually don't spend much. I leave all my sP in my vault, keeping minimal amounts onhand. (I make sure I have an even 200K when I start my Wizard quests, and only have large amounts out at once when making hefty purchases.) I do my Wiz quests every day at school, and once I get back up to 2000 tokens in my vault, I'm gonna start selling them off. :P

I do my Wiz quests at school because the internet is so fast -- 100 megabit, but it feels like at least 40 at any given time. I usually don't do them at home because the internet is too slow to bother with it. (We're leeching the upstreet neighbour's 12-megabit connection, and it's slowed by a huge amount just trying to get past our adobe walls.)

My Wiz questing pattern is:

1. Make sure I have an even 200K onhand. (It helps me keep better track of how much I'm earning.) Also empty my inventory so I can look over it when I'm done and see what I got.
2. Open five separate tabs: one for the Wiz, three for Shop Search, and one to the main page for checking events.
3. Do all the quests (for added speed, quickcopypasta the item names, and submit the items before the shop pages finish loading). I'm allowing myself to spend a little more than I used to, which lets me complete more quests and get better rewards sometimes. (Since I can complete the quests in 20 seconds or less most of the time, I've been getting a lot of 15-point tokens.)
4. Take all the tokens out of my vault and go condense the whole lot.
5. Shove all my tokens back into my vault, any wearables I get into my wardrobe, and everything else in my shop to be autopriced.

I usually don't collect my interest until I think I've reached my peak of earning for the day, usually after I autoprice my shop and wait a couple hours for purchases.

@ the poll: of course I think you should spend to earn. My spending amounts are fairly minimal, though, as I've said earlier in my post xD

I don't spend much until I hit a current goal. Then I reward myself by buying myself something nice, and something for a stranger. Then I push the goal up a bit, and save to that point. I'm going to try and save to 15mil this time. =3

So, my fellow Subetans, how do you save your sP?

I don't touch anything in my till, anything I get from commissions go directly to the bank (2mil a commission) the only thing that is spending money is the sp I get from wizard quests, that goes to restocking in shops and buying from skitters to sell in my shop for more money. Haha no spending money for myself though.

Do you set an allowance for yourself each day?

:X Not really though I do keep an eye out for prices of some clothing in my wishlist and if they've gone down alot y'know maybe once a week I might buy something from my wishlist if its super cheap than its supposed to be.

Do you just never spend money?

Not for myself no, :X I do spend it if it leads to sell for more later.