You don’t need to save a lot to start feeling the benefits, and just adding small amounts to your reserve regularly can help you rein in your spending

We often talk about the idea of saving for a rainy day – the thinking being that if your boiler packs up or your roof springs a leak, you have money set aside to deal with the problem. While this type of saving is a very good thing, it’s also quite a negative way of looking at putting money away. So how about framing it more positively – why not save for a sunny day too?

You might wish to take the concept of sunny days literally and save for a beach holiday or summer music festival. Or it might be a special treat – something you’ve always longed for, similar to the way children save up their pocket money. Either way, the sense of excitement and anticipation you can feel when saving for these experiences can brighten your days in the present. It can give you something to look forward to – you have a sense of purpose and of working towards a goal. And when you finally indulge, it feels like something earned.

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