Day 6: Saving & Emergency Funds – Building Stability Over Time

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💬 “It’s not about how much you save, but about building the habit.”

For me, as a single mom saving money at times feels impossible. After paying for rent, bills, and food, there’s often nothing left. I understand – I’ve been there too, I am there right now! But here’s the truth I’ve learned: even the smallest savings add up over time.

🌱 Why Saving Matters

An emergency fund is like your financial safety net. It doesn’t need to be thousands of pounds to make a difference. Even £100 tucked away can be the difference between peace and panic when the unexpected happens.

Savings also give you options — and options equal freedom.

 

💡 Three Simple Ways to Start Saving on a Low Income

1. Round-Up Apps Use apps like Monzo or Starling that round up your spending to the nearest £ and save the change. You’d be surprised how quickly it grows. With Monzo, it chucks your pennies into an investment folder and helps to grow your cash.

2. Sinking Funds These are small, planned savings pots for things like birthdays, car expenses, or school supplies. Add a little each week or month. It removes the financial shock when those events pop up. This was new to me, however, I feel like it’s always better to have something than nothing.

3. The £1-a-Day Challenge Save just £1 a day for the next 30 days. That’s £30 by the end of the month. Use a calendar to help stay consistent, mark each day down as you go. 

 

🔁 Keep It Simple & Steady

You don’t need fancy tools or big amounts. What matters is the intention behind your saving and the consistency. Create a habit now that your future self will thank you for.

 

✅ Your Action for Today:

  • Start your £1-a-day challenge
  • Open a savings account or envelope to store it
  • Share your progress with me in the comments or via DM!

Welcome to The Resilient Mompreneur blog Hey, amazing mama! Juggling work, motherhood, and personal growth? You’re in the right place! The Resilient Mompreneur is your go-to blog for career tips, mindset shifts, and real-talk strategies to help you thrive—without burnout. Whether you’re climbing the corporate ladder, launching a side hustle, or just trying to stay sane while chasing a toddler (we’ve all been there!), I’ve got your back! Let’s grow, succeed, and build the life you deserve—one step at a time. Ready? Let’s do this!

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