Set up an automatic transfer to a savings account on payday. Money that never reaches your everyday spending account is much harder to spend by accident. Start with an amount you will not miss, and raise it a little whenever your income goes up.

General tips from the Cashflow Team, not financial, tax or legal advice. Your situation is different, so talk to a qualified professional before big decisions.

Track it in Cashflow

Cashflow: Budget Manager is a free app to scan receipts, set budgets and savings goals, and see where your money goes.

Download on the App Store Get it on Google Play

More saving tips

All money tips