The painless way to save: pay yourself first
Ever planned to save what's left at the end of the month — and nothing's left?
The simple version
Set a standing order to move money to savings the day you get paid. You then spend what's left instead of saving what's left.
Pick a goal. See when you'll get there.
Time needed
1 yr 7 mo
You'll hit it
Apr 2028
Assumes a 4% AER easy-access account.
Your move
You get paid on the 28th. When should the transfer go out?
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Key takeaway
Automate it on payday. Even £25 a month builds the habit, then raise it with every pay rise.
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