Learning to be a Smarter Saver | Mum In The Madhouse

Learning to be a Smarter Saver

Savings, it isn’t an exciting word, especially when you are younger, but oh how I wished I had been a saver when I had more money to save!  I have two boys and they are polar opposites when it comes to money.  Maxi who has just turned eleven is a saver.  He saves all his money, whereas Mini who is nine spends every single penny as soon as he gets it.  It burns a hole in his pocket!  One of the things I find the hardest as a mum is balancing everything.  Trying to find the money to pay for everything we need and to save too.

Aviva understand that there isn’t just one type of person and to help people like me (and you) they have introduced the Aviva Financial Personality Tool.

It turns out that I am not alone in finding it hard to save as 26.5% are the same according to the future foundation.  I always feel that I am trying to do my best, but often have month left at the end of my money!

Find out your financial personality

It only takes 5 minutes to find our which personality type you are using the Aviva Financial Personality Tool.

Aviva Financial Personality Tool

Just follow the instructions on screen and answer the questions as honostly as you can,

Aviva Financial Personality Tool 2

Then you will find out which of the 10 personality types you are.  It turns out that I am a Dark Striver, which is pretty much spot on.   I do sometimes treat us to a takeaway as it is a break from cooking!

dark striver

Making a start at Saving

I try really hard to make our budget stretch to what we need and to avoid credit, but we have no savings to speak of at all.  I worry that we are the only couple with no savings and feel as though I am always fighting against the cost of living.

Knowing that I am not the only one struggling to save has given me hope that we can become better savers and I have decided that the time has come to try and start saving and work on the premise that every penny counts.  So over the course of the next month, I am going to look into ways I can save.  Things I can do to reduce our spending and instead of using the savings to buy other things we need I am going to “save” the money.

I would love you to join me and help me become a smart saver and to make a start I am going to put £5 into an account now.  I am also going to work harder on paying off our debts, which we still have from when I was really unwell and MadDad had to take unpaid leave.

So come and join me as I start saving.  I am hoping that I can turn this month into a habit and that I can become a saver.  I need your help.  Share with me ways you save.  What can I so to make a difference?  How can I start saving and keep saving?  Come back in a month for my next blog post and see how I am doing and all the things.

Disclosure: This post is in collaboration with Aviva

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