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Saving your money can be tricky. Follow our five top tips to help get you started.
Saving may seem a little daunting. But with a bit of planning, you can do it – and still have enough money left over to enjoy yourself. Create a budget that’s comprehensive (so it includes everything), honest (so it gives you the total picture) and accurate (make sure your costs are correct and realistic). It’s a great way to see where you can cut back and save more.
The opposite of saving is spending. So the less you spend, the more you can save. Sound easy? Well, it is in principle, but it can be a little more challenging in reality, as there are so many tempting things to buy! The trick is to balance the two. Say yes to some things and no to others. For example, if you’ve just been to the cinema, you might have to skip buying a new t-shirt in the same week.
It’s easier to save if you’re earning money. So if you’re old enough, see if you can find a part-time job. Or, if you’re not, maybe your parents or family will give you a little extra cash if you help out with some chores, like cleaning the car, walking the dog or doing the washing up.
It might seem old-fashioned, but the classic piggy bank style of saving really works. Just pop any loose change that’s rattling around in your pocket or purse into a jar. Pennies really do make pounds. Even 20p a day will add up to £73 a year!
Savings accounts will earn your money a little interest – without you doing anything. Interest is money the bank gives you for keeping your cash in their account. All accounts are different, so go for one with a good interest rate (worked out as a percentage). The higher it is, the better.