This study examined the relationship between income and saving patterns in rural Puerto Rico. It was hypothesized that social and psychological variables are related to saving habits of families. The level of living as measured by a scale based on possessions was found to be significantly (.33) associated with the saving patterns of the family. Other related variables were: age of male and land ownership. Family size, ranking of goals (money, education, social life, politics, and religion), and the holding of a second job by the male head of the family were negatively related. A tendency to manifest satisfaction with the income was shown but it was not associated with saving. Those who saved had some cash for saving purposes or had made some additions to their houses or farm buildings. Since most of the theoretical background of saving research is supported by empirical research in developed areas more knowledge about developing nations is needed. (NL)