3.3.3 Ways of saving

I'll probably go to Kenya by the end of the year and I'll probably go by just saving from my wage and then once I've got enough money just book it and go. Just cutting back, not going out on the weekends, riding to work instead of catching a bus. Just anything I can really to sort of save up.

Well I actually save money by taking out one account and putting it into a savings account and not touching it and that was it, that was my holiday money because otherwise I spend it. (laughs)

Don't be afraid to have a look around and don't just assume if they're telling you that it's the best price then it is the best price. You know, dig a bit deeper and ordinarily, like anything else you should come of a little bit better.

I recommend to open a savings account rather than saving the money in your actual bank account because if it is in your actual bank account you are more likely to spend it. If it is in a savings account without a bank card you're less likely to save it - spend it.

Booking it a little bit in advance gives you time to budget properly and when you go at least that that stress isn't there because you feel you sort of deserve it, you have paid it.

If you are going on holiday probably not to borrow and save for that bit longer until you can afford it because there's less anxiety in life than being in debt so it saves you a bit of stress and worry.

Don't borrow too much. Borrow what you need and that's it because you are going to end up paying back more anyway so. If your holiday costs 600 quid just borrow 600 quid.

Just stay clear of them instant cash, everyone's accepted you know the 3000 APR % - them people. Like as soon as you stay clear of them - just keep it sensible.

Normally paying for things before you get them you get a bit more satisfaction rather than, 'I've had this, I've eaten it, I've taken it and now I've got to give a year's worth of savings away for it. I'd recommend saving up for your holiday before you go.