Well, I really don't think that it is a good idea to save money in something like fiat currencies. They depreciate over time, and even if you put your money inside a bank you're just scammed under the fractional reserve system.
Save your money under bitcoin instead, it is a great store of value.
That is an investment, it is less appropriate if it is called money-saving. As an investment, you can lose your money. How is this so-called saving money if you actually risking your money?
Do you think investing your money in bitcoin is risky for now? i think its not risky because you can make more profit this coming block halving and we will see more price increase.. so sell it when the price is increase above 800 value is enough for me..