Saving and spending are two sides of a particular coin. Both savings and spending are closely interrelated. Human wants are unlimited. When one want is fulfilled then another want will arise. In early years people spend more on unnecessary items than the necessary items. The study is conducted in Thrissur town area. The aim of the study is to analyse the saving and spending habit among college teachers in Thrissur District. Savings by means sacrificing of present consumption for future benefit, these savings are the investment in the market, but today when we look into the market the percentage of savings is very low. Decreased savings by means increased spending, people are spending more than they save.