for saving money ..firstly you sholud to not spend money extra ....money spend only where necessary...or need .. then you can save money....
You guys might find it funny but what I do is give my friends loans ( the friends I know in real life ). This way I can not spend those bitcoins and earn small interest too at the same time.
I think it's not a problem if you spend money on that need seusatu like to lend money to someone
after all you will benefit also there. you need to know about spend money prohibited. like spending money to gamble or something