Set aside money monthly into a savings account – even small amounts, as long as you do it consistently.

📊 Financial planning.

Create a budget and allocate specific amounts for savings, even if it’s just a little to start with.

💰 Pay yourself first.

Every time you receive income, save a portion before spending. Aim to save up to 15% of your income. Start small – perhaps 1–5% – and gradually increase. Bonuses or unexpected income should mostly go into savings.

🔄 Make your money work.

There are plenty of legal ways to grow your savings. Open a cashback card, set up a deposit or savings account, or invest wisely and watch your funds grow.