Saving isn’t the easiest thing to do but it is always the smart thing to do especially if you’re saving for something important. We may all have different dreams and goals in life but there are some things that no matter who we are and what we want we need to make an effort to save for.
Clearing Debt

If you have debts then it’s makes sense to use any spare cash you have to start paying it off.  After all having debt costs money just by its very existence so using any spare cash you have to clear it should be your first consideration.  

Pet Emergencies

If you have a pet, then it’s a good idea to insure them so that should they get into an accident or develop an illness you’ll be able to take good care of them. However, if you have an older pet or a pet with an existing condition you may find that you struggle to find a pet insurance company to cover them or there will be limitations with the cover available.  With this in mind it’s one of the things us pet owners need to allow for and have money put aside for our little furry friends in case the unthinkable should happen and our fur babies get ill.


It doesn’t matter whether you’re 18 or 60 if you are working you should be paying into a pension pot.  Saving for your future is so much more important now that it has ever been what with the future being so uncertain due to a whole range of factors.  If you want to live comfortably when you’re older I would suggest you start saving as early as possible.  

Funeral Expenses

Not something anyone wants to think about but the one thing that is guaranteed for us all is that we will all die some day.  I have seen on numerous occasions the expense involved.  When that happens it can really be a shock firstly of course by loosing someone but also the actually cost of a funeral – it’s extortionate!   This is something that I really need to set money aside for as you never know what’s around the corner and the burdened with the cost of a funeral isn’t something I would want my family to have to deal with.  Although cheap funerals are becoming more widely available, you should probably still be saving for yours.  If nothing else, it’ll be one less thing for your family to worry about.

University Expenses

If you have children, or you’re planning to start a family in the future, saving for university fees and expenses is the sensible thing to do. The average student’s debt is approximately £50,000 according to the IFS (Institute for Fiscal Studies).  Unless there’s a radical change in policy this is only going to continue to rise.  If you don’t want your children to be carrying around such a huge burden when they start their adult life then start saving today for their future. 

Home and Vehicle Emergencies

Something that I know about all too well.  The last thing most of us want or need is to have a car or home emergency and not have the necessary funds to pay for repair.  An emergency fund is of vital importance and can make a big difference.  That way we will always have funds available to fix such situations without having to wait or resort to expensive credit options.

If you aren’t already saving for any of these now is as good a time as any to start.  No one knows what the future will hold but those that are prepared find them that little bit easier when they have the funds in place to help them. 

Which of these would you start saving for first?

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28 thoughts on “What Everyone Should Be Saving For!”

  1. Theres just me living solo – its always wise to have an emergency fund . Just this year my freezer gave up, my hoover had to go and now I have a window seal to repair.

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    1. They are super cute aren’t they. I know so much spending and the thought of saving goes out of the window. It’s always good to save in case of an emergency even at Christmas – a boiler going for example over the festive period can’t be paid for with presents.

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  2. All of these points are pretty important (depending on your circumstances). Luckily because I rent, if anything goes wrong with my home it’s my landlord who has to pay for it. I put a little away out my salary each month and I have a direct debit set up to pay my debt off each month. Knowing you have it sorted takes such a load off your mind.

    V <3

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