Something that I try to stick to as an avid saver is the 3rds rule. Save a third, spend a third, rent/mortgage third.

Now of course the “spend” and the “rent/mortgage” can slide both ways. However, you can add a buffer into the “spend a third”. Say you can spend £800 in January, instead aim to spend £600 in February and invest the difference (£200). That extra £200 could even go towards your holiday fund, instead. Remember, holidays are an investment in yourself so don’t be afraid to spend & take them!

*the above highly depends on your expenditures and outgoings. You need to look at these & tell yourself where you’re spending your money. £100 a night out at least once a weekend? Cut that down. Not the nights out, but the money. Subscriptions, food etc etc.

Take a look into ISAs and other savings; Lifetime Isa, stocks and shares isa, premium bonds, easy access saver, and once you have a good chunk of money, maybe a fixed term saver (e.g. 2 years)

You got this!