'If I Had A Little Money... It's A Rich Man's World'

There are many ways to save money. Some are easier than others, as I've found out since the start of my working adulthood.

You can get savings accounts, piggy banks, stock shares and even saving up points on loyalty cards. As I've been saving for Florida for the past two years, there are many ways I've gone about saving up for large expenditures.

Savings Account
Each month I put away £150-£200 into a savings account for holidays, and then £30-£50 in a secondary savings account. As I have two savings accounts, I use one to make sure I have a small savings amount for any sudden payouts - such as car failure, medical issues, technology issues, and more. This way I don't take out anything from the holiday account - which is there to pile up a nice large amount, so that when a holiday does come around, I've already got a chunk of the fees covered.

Loyalty Cards
I'm a sucker for a loyalty card. I have a Morrisons card to help get £5 vouchers with every 5000 points, a Superdrug and Boots cards to get ££ off purchases after racking up points. I have about 10 loyalty cards and use them as often as I can at the tills to rack up points to help with later purchases. For example, I have £8 on my Superdrug card, which I'm saving to use for my summer holiday items, so I can save a little money!

Piggy Bank
I'm a lover of piggy banks. I have one that I fill up with 1p and 2p coins, and when it's full I bag them up into £1 bags and go bank them into my account. Currently, I also have a second piggy bank for £2 coins - and this is going towards my holiday to Florida. I had to open it recently to get rid of the old £5 notes I had also put in there, and I had managed to get about £120 in a year in mainly coins. If you were to fill it right up, you can usually get about £250 in the tins.

52 Weeks Saving Challenge
As you may have seen, I'm doing a savings challenge this year to save up £1378. You just put away an amount that corresponds with the week of the year. So week 20 you put away £20, etc and so on. I'm doing mine a little backwards and doing the larger amounts at the start of the year, and so far I've got £626 in my savings account!

Work Stock Shares
At work, for a small fee of £5 a month which you pay into a shares account, you can then save up to about £380 over 3 years. Because this is automatically taken out of my wages without me doing anything, I don't notice the money not there. In 3 years time, I'll get a nice sum of £380+ into my account, and that can then be put straight into a holiday account! Definitely worth it for that amount at a later date.

No Spends
My final resort for saving money is, doing 'no spends' now and then. I tried to do it for a month and sucked at it - so made new rules. I cancelled all my subscription boxes as I wasn't really enjoying them anymore, and also cancelled all the direct debits that I no longer needed to pay out for. I also put a ban on myself to stop buying these things for a month here and there:

• magazines
• no beauty items unless I need them as an essential (skin/hair care)
• stop buying meal deals - eat what's already at home
• no extra lottery tickets (already do a monthly direct debit for tickets)
• home haircuts and beauty treatments

How do you save up money and stick to it? And did you find any of the ideas above helpful? Let me know! Hope you have a great day and keep safe :)

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