“I have a savings as long as there’s money in my savings account”
Having money in your savings account that’s easily accessible in case of an emergency is a nice feeling… On the other hand, if you carry credit card debt or student loans, chances are the interest you’re being charged on your debts is more than the interest you’re gaining on your savings account. Therefore, investing that money into the debts will increase your savings in the long run.                           

“I bought it on sale so I’m saving money”
I’m a firm believer that there’s always a better deal out there, you just have to look for it. The sale price at one store may be more than the regular price at another. Shop around and make sure you really are getting the best deal you can find.

“I could save more if I made more”
Chances are, the more you make, the more you’ll spend. To really save money with a raise, you should have a concrete spending and saving plan in place before the raise goes into effect.