Savings refers to the money that an individual or organization sets aside for future use, rather than spending it immediately. The goal of saving is typically to build up a financial cushion that can be used to cover unexpected expenses or to achieve long-term financial goals.

Examples of savings may include savings accounts, investments, or retirement accounts. Saving can be challenging, but it is an important part of financial planning and can help individuals or organizations achieve greater financial stability and security.

Effective saving often involves creating a budget, identifying areas where expenses can be reduced, and making a commitment to regularly set aside a portion of income for savings purposes.