Saving can be used in a sentence many ways. For example you can use it referring it as saving money in the bank:

How much money are you saving in your savings account?

It depends on the situation. Everyone has a different opinion. That is a very unique saving technique. Raileurope however is not a money saving technique.

The distinction between "problems of saving money" and "problems with saving money" hinges on perspective. "Problems of saving money" implies external obstacles hindering saving, like low income, high expenses, or lack of financial knowledge. "Problems with saving money" suggests internal struggles, like poor budgeting habits, impulse spending, or lack of motivation. It's a subtle shift from circumstance to behavior.

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Saving money. Obviously

Saving money. Obviously