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Throughout your life, you will be faced with many decisions about saving and spending. Your goals can vary from smaller purchases such as a new smartphone to larger purchases, such as a car or a house, to long-term savings for retirement and any unknowns. There are some life events that you can plan and save for, like higher education or starting a family, but it’s impossible to foresee unplanned expenses. That’s what makes saving important — so you’ll be prepared for any type of expense by having money set aside.

If you’re reluctant to start saving or believe it isn’t possible, think of it as a path to exciting opportunities rather than a burden. Chances are you’ll need the funds for unexpected situations throughout your lifetime, good and bad. Here are some basic steps to get you started.

Create a budget and stick to it. When you make a monthly budget, overestimate your expected costs. This way, you’ll likely end up with leftover funds, which can go right into savings.
Pay yourself first. Determine a set amount of money to put away every month and treat it like any other bill. Put away part of your income — ideally 10 to 20 percent— and watch your savings grow.
Save wisely. Choose the right savings methods to match your goals, and make sure to do your research to find the best interest rates.
Be ready for the unknown. Create an emergency fund with three to six months’ worth of living expenses in case unexpected costs arise.
Set financial goals to keep you on track. Know exactly how much you want to save and how long it will take to get there. When you set clear goals, it’s a lot easier to track your progress.

Savings Goals

Real-life reasons to save are good motivators. Once you've secured an emergency fund and have enough saved to support yourself for three to six months, you can start saving for what you really want. Think about short-term (current month or year purchases) and long-term goals (for important life events and big expenses), bearing the following in mind:

SPECIFIC goals inspire. Setting a clear goal will help you focus on saving for it.

MEASURABLE goals let you see the real task at hand. By using real numbers, you can measure your progress along the way.

ATTAINABLE goals pay off. When setting your goal, ensure that it is realistic and within your reach.

RELEVANT goals make good sense. Set a goal only if you know it will be meaningful in the long run.

TIME-RELATED goals have a real deadline. Setting a time frame for your goal will help you stay committed to reaching it.

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What are you saving for? An annual summer holiday, an education fund for your children or a longer-term goal like retirement? In order to choose how you want to save your money, you will first need to determine your financial goals. The first step is to set a clear savings goal. Having this end goal in sight will help you when it comes to setting aside a specific amount every month or year to reach that milestone. Whatever your goal, the amount you set aside to get started does not have to be large. To jump-start your savings, consider automating your accounts to transfer the budgeted amount to your savings each month.

Once you’ve set your financial goals, it’s time to start saving. Choosing the right savings method depends on a few factors: how much money you hope to save, how accessible you need the funds to be and when you’ll want to withdraw them. It can be daunting to evaluate the complex options available, but if you learn more about each saving vehicle it will be easier to get started.

Savings Accounts

There are many categories of savings accounts to choose from. You can use one savings account or multiple ones to organize your money for various purposes. Many people don’t limit their savings to just one kind of account, but use different accounts based on when they’ll want to withdraw funds and what they want to use them for. Here are examples of a few different savings accounts to fit particular needs.

Basic bank savings accounts typically offer the lowest interest rates, usually less than one percent. They come with few restrictions on access to your money, and they don’t usually have required minimum balances. These accounts normally associated with brick-and-mortar banks also can be accessed online.
High-interest or high-yield accounts typically pay higher interest than basic savings accounts. However, such accounts are likely to require a higher minimum balance than a basic bank savings account, may charge fees or restrict services available on the account.
Online savings accounts are typically similar to basic bank savings accounts, but they offer higher interest rates because they operate online and don’t involve the overhead that standard banks have.
Credit unions, while not available everywhere around the globe, are like banks, but they’re owned by their members and may offer higher interest on savings.
Automatic savings plans are options you can set up for your savings account. You can choose to automatically transfer a set amount from your deposit account to your savings account every month.

Longer-Term Savings

If you don’t mind leaving your money alone for several months to years, consider using longer term savings options. These often yield the highest interest of any savings option offered by banks. Unlike with regular bank accounts, if you want to withdraw money, you may face a steep penalty. Here are some things to look out for:

The ability to deposit an amount of money at a fixed interest rate for a predetermined amount of time, with the option to withdraw the funds after the term has elapsed.
Brokered savings products are generally priced higher and are purchased through a brokerage firm or sales representative rather than through a bank.
High deposit savings accounts usually have higher minimum balance requirements, but are low risk and provide higher returns than traditional savings accounts.
High-liquidity savings accounts mean that funds can be withdrawn without a penalty, but the account may come with a required minimum balance and a limit on the number of withdrawals permitted.
Variable rate savings accounts offer variable interest rates that change based on an interest-rate index, resulting in either higher or lower rates than fixed-rate products.

Retirement Account Savings

One of the most valuable ways to save is through retirement accounts. Not only are these low-risk, they’re crucial to a comfortable retirement. And remember: the earlier you start saving, the more your savings will grow. If retirement savings is available in your country, there are a few options to consider:

Employer-sponsored retirement plans or pensions are a long-term savings mechanism. You contribute to your fund and your employer matches your contributions, further increasing your retirement fund.
Individual retirement accounts, sometimes also known as personal pensions, are personal savings accounts that enable you to put money aside independently.
Annuities are investment agreements in which payments to insurance companies are invested for you. The annuities are then paid back on a future date or series of dates.

If your country does not offer savings plans for retirement, it is recommended that you set up your own separate savings account solely for retirement.

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Saving money doesn’t always have to be hard work. Effortlessly increase your funds by depositing money in a savings account from your income or monetary gifts you receive. In exchange for opening an account and giving the financial institution money, your savings will be increased by a certain percentage every year. This percentage is called interest. The longer you leave your savings untouched, the more your money will grow.

There are a variety of methods to help you grow your money. Compound interest, the Rule of 72 and attention to detail when reviewing financial institution documents are just a few ways you can easily increase your savings. Don’t lose your hard-earned interest to penalties and financial institution fees. Read the fine print before opening an account and be mindful of fees, charges, penalties, interest limits and variable interest rates. By understanding how interest and savings accounts work, you will be more confident when making decisions about how to manage your money.

Compound Interest

Use interest to your advantage. Simple interest is when interest is only applied to the principal amount. Compound interest is when the interest is calculated on both the principal and any accrued interest from previous periods. This results in higher returns, especially over long periods of time.

The Rule of 72

Want to double your money? Use the “Rule of 72” mathematical formula to find out how long it will take to grow your money. First, divide 72 by your account’s fixed annual interest rate. For example, if your rate is 6 percent, divide 72 by 6. At that rate, it will take 12 years to double your savings. When you think about your financial goals, the Rule of 72 can make a positive impact on your savings over time by helping you make informed decisions.

5 Tips for Saving

Make savings a priority. Each time you’re paid, put a portion of it toward savings. Saving money is a good habit no matter how much or how little you put away each month.
Automate your savings. Most financial institutions allow you to automatically transfer funds online or via mobile apps from deposit to savings accounts.
Find money to save. Keep track of everything you spend for a week – you’ll be surprised where the money goes. Adjust your spending habits a little and suddenly, you’re saving.
Keep the change. Some retailers or financial institutions allow you to save the difference or “round up” between your expense and the next dollar amount.
Cancel extra costs. Check to see if you have any old subscriptions that you’re not using anymore – whether it’s to a gym, magazine, or streaming service that you no longer use. Many services that you may no longer want could be costing you money that you could otherwise save. Be realistic about how much you are using what you pay for each month.

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As much as we prepare for life’s events, the unexpected can happen. Your pet might need costly treatment. Your vehicle could break down and require repairs. You could damage your phone and have to replace it. Any one of these unplanned expenses could impact your budget significantly. Would you have the money to cover these financial surprises? That’s where an emergency fund comes in.

What Is an Emergency Fund?
An emergency fund is money that you have saved to help you cover unexpected costs that come with everyday life. This could be a medical emergency or home repair. Many of these costs cannot be predicted, but nearly everyone will face these kinds of expenses throughout their lives. Experts say it’s smart to build and maintain an emergency fund with three to six months’ worth of living expenses.

How Do You Start an Emergency Fund?
Start by setting a monthly savings goal and set up the funds for automatic transfer to a savings account. That way, you will be saving money without even thinking about it. You will want to take a close look at your finances to ensure that you are not saving so much money that you can’t pay for other everyday costs, or so little that your savings won’t cover a potential emergency.

Where Should You Keep an Emergency Fund?
Savings accounts are the safest place to keep your emergency fund so that you won’t be tempted to dip into it. Emergency funds should be kept fairly liquid so you’ll be able to access them quickly if an unexpected expense comes up. If you need to use your emergency savings, you’ll be glad they’re available.

How Much Should You Save?
The size of an emergency fund will probably change as your financial situation does, so it’s important to revisit your budget and make sure you’re covered. The key to building an emergency fund is to set money aside every month, no matter how small the amount, to reach the three to six months’ worth of living expenses as soon as you’re able.

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Spending within your means may sound like a simple rule to follow, but many people spend more than they save, which can result in debt. The good news is that it’s completely avoidable, and it’s reversible over time. With a little planning, tracking and adjusting your spending, you can live happily within your means.

For a stronger financial future, here are a few tactics to start living within your means and building better spending habits.

Create a budget.
Making a budget simply means examining your income and expenditures to determine exactly how much money you have coming in and where you’re spending it. Once you've got a clear understanding of your current budget – what income you’re receiving and what expenses you’re responsible for – take a closer look and find places where you can spend less. Not sure where to begin? Get started with this Budgeting calculator.

Identify wants versus needs.
An effective way to streamline a budget is to identify your discretionary spending (wants) versus your essential spending (needs). Recognizing the difference between wants and needs can help you better understand what spending is necessary and what categories you could save in. The first step is to analyze your spending and cut back on non-essential purchases. It can make a significant difference in your annual budget by freeing up funds to be saved or used elsewhere. You might see significant savings by reducing entertainment costs or frivolous purchases. The idea isn’t to stop enjoying your life, but to understand costs and prioritize expenses for a healthier savings account.

Tackle your debt.
Many people owe money. It can take many years to pay off debt, but it’s important to live within your means and manage your debt load. Take the time to identify which of your loans have the highest interest rates and start paying them off first.

Consider professional counseling.
If you are struggling and can’t get your spending under control, consider seeking qualified financial counseling. Find free, certified financial counseling services through government organizations in your region.

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Tracking your expenses on a regular basis is key to getting an accurate picture of where your money is really going — and where you’d like it to go instead. It’s an essential part of creating a budget, taking control of your money and financial future.

What’s more, keeping a careful eye on your spending may help you to avoid overspending. It’ll also help you catch any unexpected or fraudulent purchases on your bank or card statements. Here are some expense tracking tips:

Check your account statements.
Paper or online, review all your accounts at least monthly, including your deposit account and any credit cards you have. Getting a consolidated overview of all your accounts will help you identify where you’re spending.

Collect all your receipts.
Keeping track of cash purchases can be difficult because when it’s gone, it’s gone. Save your receipts and set aside time to record each cash, card and online purchase or use a banking or budgeting app so you’ve got an accurate overview of your finances once the month ends.

Categorize your expenses.
Group your expenses according to car, house, children, dining out and so on. This will give you a further level of detail on what you’re spending and where. It may be an eye-opening exercise which can reveal areas where you can cut back or do without entirely.

Record your outgoings.
Keeping track of what you’re spending can be as simple as keeping a log in a notebook, the note-taking app on your smartphone, a spreadsheet or a dedicated app. Most online bank accounts track and organize electronic transactions automatically and with many you can either view online or download the data as a spreadsheet. If your records are clear and you update them consistently, they will allow you to track your outgoings over time and make projections for the coming month, quarter, or year.

Make improvements.
Once you know where your money is really going, you may be surprised. Consider how you can adjust your habits to save money. This is more likely to be around discretionary or variable expenses like clothing and meals out, rather than fixed expenses like mortgage, rent or utilities, which don’t change much month to month.

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There is a common misconception that living a more sustainable life can come at a high price, but in fact, the opposite is true. More conscious consuming—renewing, reselling, recycling, reusing, repurposing— can lead to greater savings when you do the math.

Here are examples of how you can save via sustainable living:

Reusable products: Instead of living with disposable household items, buying high quality sustainable items that will last longer ends up saving you money.
Resale: No more use for furniture, apparel, accessories, gadgets, etc. at home? Selling these items through online marketplaces can put money back in your pocket when you’ve kept them in good condition.
Shop secondhand: Knowing what you are specifically looking for allows you to go find it on secondhand marketplaces and consignment or thrift stores, particularly items for kids and household goods.
Go green: If possible, consider renewable energy like solar panels, using an electric car or bike, or simple lifestyle choices like air drying your clothes as environmentally friendly solutions and will save you money on monthly expenses. For example, while installation of solar can be costly up front, it can save you money for years to come on your energy bill.

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Saving

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Saving 101: Everything You Need to Know

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Saving is a habit that can support both everyday stability and long-term goals. Starting small still counts, especially when you save consistently.
A strong savings plan usually includes clear goals, a realistic budget and an emergency fund for unexpected expenses.
Different savings options serve different purposes. The best choice depends on when you need the money, how easily you need to access it and how much risk or restriction you are comfortable with.
Interest can help your savings grow over time, especially when compound interest has more time to work.
Tracking expenses, automating savings and reviewing recurring costs can make saving feel more manageable without requiring major lifestyle changes.

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Saving is essential to financial health and building your long-term wealth. It is important to save early in life and often. Regardless of your age, you should save a percentage every time you receive money, whether it’s from your income or a monetary gift.

A good rule of thumb is to try to save 10 to 20 percent of your net income.

The everyday decisions you make about money can have a lifelong impact. Saving allows you the freedom and flexibility to fulfill your goals and helps you develop good personal finance habits.

Not a natural saver? No problem. Getting started is easy. There are many ways to scale back your spending and various resources to help. Start small and see how quickly your money can grow.

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Saving Basics

Choosing Savings Options

Growing Your Money

Building an Emergency Fund

Spending Within Your Means

Expense Tracking

Savings via Sustainability

Digital Savings

Digital budgeting apps and services can also help you with saving. Some of these tools are free while others require a paid subscription, but here are the features you can expect from these tools:

An algorithm which informs transfers of small, reasonable amounts from your checking to your savings account to take the guesswork (and leg work!) out for you.
Automatically transfer money into investment accounts using the same process as transferring to savings.
Provide insights into your spending habits and alert you to opportunities where you can be saving money.
Remove unnecessary fees and find alternative recommendations for less expensive services or products.

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Bottom Line

Saving gives you more flexibility, confidence and control over your financial life. It can help you prepare for unexpected costs, work toward meaningful goals and build habits that support long-term financial well-being. The most important step is to begin with an amount that works for you, then build consistency over time.

","grid":"col2"},"richText_11":{"path":"/content/dam/microsite/pmscom/usa/english-language-master/en-us/home/disclaimier/rich-text---disclaimer","modelPath":"/conf/vcom/settings/dam/cfm/models/rich-text","contentFragmentModel":"richText","variations":"default","applyZebraStripes":"","richText":"

This article is provided for general informational purposes only and should not be relied upon as legal, tax, financial, or other advice. You should consult an appropriate professional regarding the application of this general information to your individual circumstances. Visa is not responsible for your use of this information.

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Learn the basics of saving money, setting savings goals, building an emergency fund, choosing savings accounts and using simple habits to grow your money over time.

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