Start with the Goal: How Much Do You Want to Save?
Before you even touch a spreadsheet, jot down the exact amount you aim to stash by year‑end. In my case, I set a target of £2,500 for emergency funds and future travel.
Before you even touch a spreadsheet, jot down the exact amount you aim to stash by year‑end. In my case, I set a target of £2,500 for emergency funds and future travel.