10 Tips to Grow Your Savings Pot in 2025 (Without Feeling the Pinch!)

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Building up your savings can feel like a mountain to climb, especially with the cost of living on the rise.

But don’t worry—whether you’re saving for a holiday, Christmas, or just want an emergency fund to fall back on, we’ve got you covered with 10 simple, practical, and fun tips to help you stash that cash.

Ready to feel like a savings superstar? Let’s go! 💰✨

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How Much Should You Save?

Experts recommend having an emergency fund with three to six months’ worth of essential expenses.

For example, if your monthly outgoings are £2,000, aim for £6,000–£12,000 as your savings goal.

Sound like a lot? Don’t panic!

Start small, and you’ll be amazed at how quickly your pot can grow with these clever hacks 👇

1. Start Small, Build Big

If saving feels daunting, begin with just £1 a day. It’s small enough not to notice, but over a year, that’s £365!

Once you’ve got into the habit, increase it as your confidence grows. Every little helps.

2. Open a Separate Savings Account

Keeping your savings separate from your everyday spending is key.

Choose a high-interest savings account or a regular saver for better interest rates. Plus, seeing your savings grow untouched is incredibly motivating.

3. Automate Your Savings

This is my go to hack and its really made a difference to my mindset on saving money…

Set up a standing order to transfer money into your savings account at the start of each month.

Treat it like a bill you pay yourself. Out of sight, out of mind—and into your growing savings pot!

4. Round It Up

Some banking apps, like Monzo or Starling, let you round up every purchase to the nearest pound and pop the extra into savings.

Bought a coffee for £2.60? That 40p goes straight to your savings. It’s saving without even trying!

5. Ditch the Unused Subscriptions

Take a hard look at your subscriptions—are you really using them?

Cancel anything that doesn’t spark joy (or get used). Redirect that £9.99 a month into your savings each month, and watch the total climb.

6. Embrace the 10-Day Rule

Impulse buying is the enemy of saving. The next time you’re tempted, wait a few days. If you still want it after that, go for it (Just make sure to get the best deal on it first!)

If not, pop that money into your savings account instead.

7. Sell Your Unwanted Stuff

Have a clear-out and sell items you no longer need on Vinted, eBay, or Facebook Marketplace. One person’s trash is another’s treasure, and all those little sales add up!

Then pop that cash into your savings pot.

8. Switch and Save

Check if you’re paying over the odds for utilities, insurance, or broadband. Switching providers can save you hundreds each year.

Use comparison sites like MoneySuperMarket to find the best deals, and stash the difference in your savings.

9. Use Cashback Sites

Shopping online?

Sites like TopCashback or Quidco give you money back on your purchases.

It’s free cash for buying things you’d already planned to get—why not put that cashback into savings?

TIP: Join TopCashback with our link to get an extra Free £10 bonus when you sign up and make your first £10 cashback.

10. Make Saving a Family Challenge

Get the whole household involved!

Create a visual savings tracker (like a jar you colour in as you save) and set a shared goal.

Whether it’s for a family holiday or Christmas presents, working together makes it fun and achievable.

(We have a large jar that all of our change goes into, the kids love counting the coins into it. We then use it towards spending money on our holiday each year.

Last year we had over £100 in change! That more than paid for a great day out for the kids at a Farm Park when we visited Wales this year)

Final Thoughts

Saving money doesn’t have to mean big sacrifices or boring spreadsheets.

Start small, stay consistent, and get creative.

Whether you’re building an emergency fund, saving for a dream holiday, or just creating a rainy-day pot, these tips will help you feel more in control and closer to your goals.

Join MyFamily Rewards Club to access exclusive deals and discounts 24/7, all in one place. Every pound saved is a pound you don’t have to earn—start saving smarter today!

Have a top savings tip of your own? Drop it in the comments—we’d love to hear it! 💸

Happy saving!