Top countries in tourism for , The Saudi Arabian Economy (Johns Hopkins University Press, 1999). CHRIS HOWELL RED ROCKS COLLEGE saving A WIDELY USED TERM with different meanings, saving for an individual may be, for example, the portion of her income that was not used for consumption. For an investor, money saved may be in the form of bonds and stocks. For a city, state, or country, saving may be the money that goes into productive uses such as building roads and parks, increasing educational standards, and building new technology. A useful way to think about individual saving is to consider a worker in an economy who provides her labor service (say, 40 hours a week) in return for wage/income. One of the most critical decisions that the worker makes is how much of her income to spend on consumption goods and services (i.e. Top countries in tourism 2016.