Let's talk money!
Sometimes the hardest thing about saving money is getting started. With a strategy you can stick to, it can be easier to commit to saving. First, list your expenses on paper or an Excel spreadsheet and see what you can comfortably save each month. Next, consider any short, medium or long-term goals and identify how long it will take to achieve them. Lastly, learn to prioritise to give you a clear idea of how to proportionate your savings.
You may explore instant access accounts for your short-term savings and a pension or investments such as a Junior ISA for your daughter for longer-term savings. Separating your savings into different pots will give you more financial confidence for your future and peace of mind.If you can't save as much as you'd like, it might be time to cut back on expenses.
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