Sometimes it’s hard enough to keep up with bills and make ends meet, let alone save money. But building up savings means more than just putting money away for long term goals. It also means saving for:

• Irregular costs that come up over the year, like repairing a house 
• An emergency cost, like car repairs or urgent bills
• ‘A rainy day’ or emergency fund, like if you lose your job.   

Learning how to assess your spending and draw up a budget plan to include regular savings (no matter how small) will allow you to prioritise savings and gain some financial security.