What do you use to save money?

[TokenGinger]

I had contemplated using Park this year to save for Christmas but the vouchers are so limited and I like online shopping. The Mastercard option takes a percentage, too.

I know I could save it in a bank account, but I'm not disciplined enough to not dip into it if needed. Though, I suppose many saving apps etc probably have the same ease of transferring back to myself if needed. I'm hoping that psychologically it being moved out of bank accounts will mean I don't touch it.

What do you use for putting money aside each month to save up for Christmas, or any other big expenses?

Savings account at same bank. Self discipline. These third parties have a habit of going bust! Supermarkets used to offer schemes but limited obviously

I use Starling for our every day spending and saving for different expenses. Like Monzo, you can have separate pots which you can give names to, set savings targets and can assign one pot to "save the change" (amazing how quickly that builds up!)

Even though you can transfer the money to the main bank account straight away, seeing it in a seperate pot makes it a lot easier to not touch. If money was left over in my main account I'd find it easy to justify a takeaway, but because it's been assigned to something else I just know it's off limits.

Thank you, everybody.

I think I am just going to use one of my separate bank accounts. I'm worried about the companies going bust risk.

The thing with me is, I know I could save if I need to, and we both have decent salaries so it's not a case of having too little to spare, it's a case of me being too bloody frivolous. I think I just need to be more disciplined with myself and not buy cute outfits for my son because I like them 🙈

Well if you create a special saving account speficic for his clothes that you can add to every month, and then another one for Xmas, another for bdsys etx
. Then you won't be wildy frivolous nor however feel guilty when you use the money for his outfits... From his special outfit fund??