Saving good? Spending bad?

We have seen a lot of material that tells you or infers saving is good and spending is bad. This is the wrong message to give. The message we prefer is everyone has dreams and goals and spending and saving are actions you can take to achieve them. Without the proper knowledge on finances, people end up delaying or sabotaging their goals and dreams.

There's a pretty good free iPad app called goalGetter that illustrates setting goals and saving for them. It lets you put different goals such as school, a car or a house on a graph, set the value of each and set your monthly saving amount. It then shows if you'll make your goal or not. Not a serious planning tool but good for teaching. I'll put add a demo video next week to show you this app.