| What You Do | Effect or Uses | Funding |
| Have easy access (debit card) to money for everyday needs | Reduces need to use credit card | Direct Deposit pay check into this account |
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| Save or invest a fixed amount of money every pay in a separate account | For future goals or emergency source of money | Employer may offer to pay direct to your account or have a fund manager direct debit your bank account
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| Save your pay rises, bonuses, special payments or tax refund | Savings build up significantly over time as you continue to live within your existing budget | Increase your automatic savings amount. Immediately invest your extra money |
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| Pay an extra 5 to 10% on your mortgage every month | Saves interest costs and pays off your mortgage sooner | Have your lender deduct your payments automatically |
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| Budget a specific amount for fun, leisure and personal expenses | Controls impulse buying | Makes it easier to stick to your budget |
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| Put your change into a savings jar at the end of each day | Creates a little pot of ready cash | Use this money for small personal expenses |
