I mean saving is always better than financing. When you save money the bank gives you interest, when you borrow money the bank charges you interest. If it weren't for people being more concerned with short term gain, everyone would just save their money.
Oy you read that on the leaflet? In todays world of zero interest policies we're actually being penalised for saving over spending. Because you're earning no interest from the bank and that twit Carney has ramped up the quant easing the pound you put in the bank today is worth less tomorrow.