Early on in his 1311-page book Tragedy and Hope: A History of the World in Our Time, Carroll Quigley offers an economic insight that is rarely heard, namely, that money and goods are opposites in economic terms.
Goods are wealth which you have, an asset, whereas money is a claim on wealth you do not have, a debt. Economically speaking, the higher the price (value) of goods, the less money is worth as compared to goods, since its claim on them is heavily reduced.
Conversely, where goods are cheap, that is, their value is low, the claim on wealth (goods) that money represents is worth more, since its purchasing power is increased, and X amount of money can buy a higher amount of goods.
Common sense would say spend money when prices are low, as your claim on wealth in the shape of goods is higher, and save money when prices are high, as your claim on said wealth is lower.
However, in reality, as Carroll Quigley writes later on in the book,
"Inflation indicates not only an increase in the price of goods but also a decrease in the value of money (since it will buy less goods). Accordingly, people in an inflation seek to get goods and to get rid of money. Thus inflation increases production and purchases for consumption or hoarding, but it reduces saving or creation of capital. It benefits debtors (by making fixed-money debts less of a burden) but injures creditors (by reducing the value of their savings and credits)."Inflation, especially as created by the issuance of credit by the oligarchic banking system, is in effect a stealth tax as it cuts into the value of your savings over time. The same amount of money buys less goods. And interest rates these days are lower than the rate of inflation, meaning the value of your money reduces daily.
The rumoured introduction of negative interest rates will actually mean you will be penalised and taxed so to speak for saving money, which is part of an agenda to impoverish the masses, to prevent financial independence from the system and keep people on the hamster wheel for all eternity.