Spend or save –the student’s dilemma I think that the messages we get from our environment seem to defy 1 and contradict each other. The government tells us to spend and also to save more. Banks offer higher interest rates so we can increase savings and also send us 2 offers so we can spend more. If we don’t pay our credit card bill on time, the credit card company will warn us. As soon as we pay, the company will tell us how valuable a customer we are and encourage us to resume 3 . We get two s