Saving in 2026: 10 tips to help you succeed

Saving is not just for people who earn a lot: it is above all a question of habits. Here are ten practical tips for putting money aside in 2026, whatever your income.

1 to 3: laying the foundations

• Set a specific goal (holiday, car, deposit, unexpected expenses): it is easier to save for a project than “just in case”.
• Know your budget: note down your income and spending for a month.
• First build an emergency fund, equal to a few months of everyday expenses.

4 to 6: automating

• Pay yourself first: set up a standing order for the day your salary arrives.
• Separate your accounts: one account for spending, one savings account that you do not touch.
• Increase your effort gradually, for example when you get a pay rise.

7 to 10: cutting back on spending

• Review your subscriptions and cancel those you no longer use.
• Compare your contracts for energy, telecoms and insurance regularly.
• Plan your major purchases to avoid impulsive decisions.
• Take stock every quarter and adjust your plan.