Automatic savings
Pay yourself first
Move money into savings before you pay any other bill. Whatever remains can fund life guilt-free.
Automation ladder
Emergency fund
£150 / month
Investments
£200 / month
Holiday fund
£75 / month
1. Decide percentages
Pick fixed amounts or percentages for each goal before the month begins.
2. Schedule transfers
Use standing orders dated the day after pay lands so the money moves automatically.
3. Live on what’s left
Because savings left the account first, everyday spending can happen with confidence.