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Tips To Get You Saving For a Rainy Day Fund

In life, accidents and emergencies happen. From a tyre that blows to a household fire. Sometimes, no matter how hard we try, these kinds of thing can happen to us or those around us. Which is why, as well as insurance, we can help ourselves by putting money aside for a ‘rainy day fund.’ The kind of money that we never expect to have to spend. But if we do, then we’re very glad that we have it!

So if you don’t have much by way of a rainy day fund at the moment, then these tips are for you. Sometimes looking for a cash advance online is the only thing that you can do in an emergency. But if you are able to cover things yourself, then there will be no worries about unexpected emergencies in life. Even saving a little something is better than nothing.


Decide Where You Will Save

If you are looking to start a rainy day fund, then being able to use a vehicle to save, that will help you to naturally get some interest, then you’re earning extra cash for doing very little. You could look at opening a savings account that has a good interest rate. Sometimes this is a good option if you’re not the most disciplined with money; out of sight, out of mind! You could look at setting up an ISA too, but they usually require a certain amount of money to be put in each month or year. So you’ll have to check on the requirements before you commit. But getting the right place for your savings will make a big difference.

Be Honest With Yourself

When it comes to saving, many of us will make excuses as to why we justify certain purchases or put off saving. So in order to start a rainy day fund, you do need to be honest with yourself. Do you need to go to the mall every weekend or buy that Starbucks coffee on the way to work? When you’re honest about your spend, it makes it easier to cut back and save.


Save Extra Income

If you get bonuses or extra income from overtime, for example, then put that amount away straight away. If it is in your normal bank account, then it will get spent. Your monthly budget won’t be including extra income, so you won’t be relying on it to live. So bank it as soon as you get it.

Stash Spare Change

If every time you get some spare change, put it into a box. Don’t spend it, but keep adding to it. When this is done over a few months (or even a year), it will really add up. Change it at the bank and then put it into your savings account. If this is the only way that you can save at the moment, then make sure you do it. You’ll be thankful for it when an unexpected emergency comes around the corner, and you need some extra cash.


  1. All these points that you mentioned are applicable to anyone at any stage of life. I know this as I have applied it to my life and it has helped me majorly.


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