Overview

• Santander's April 2025 survey reveals that one in five UK earners do not save any portion of their income annually.
• Building an emergency fund, even with small contributions, can alleviate financial stress during unexpected expenses.
• Regularly reviewing household expenses and switching to better financial deals ensures value for money and avoids unnecessary costs.
• Creating a budget that prioritizes essentials and clearing high-interest debts, such as credit cards, is key to financial stability.
• Micro-investing by rounding up spare change lowers psychological barriers to market participation and simplifies investing.
• Automating savings transfers on paydays reinforces consistent saving habits, especially during high-spending summer months.