A lot of people do not have a good savings plan. They struggle with how to balance their income between bills, savings, and entertainment. Some people are spenders who are great at spending money but bad a saving. They have a lot of fun bow, but struggle with future endeavors. On the other end of the spectrum are the savers. These people save every penny and never seem to have fun; they often referred to as a tight arse. In between are the other two categories, 'avoiders' and monks. These people avoid dealing with money as much and people or believe it will just sort itself out.