When it comes to money, habits matter more than one-off decisions. The good news? Small, consistent actions can make a big difference. Here are three effective things you can start doing today:
- Create a Clear Budget
Think of a budget as your financial map. Track what’s coming in, what’s going out, and where you might be overspending. Even a simple spreadsheet or budgeting app can highlight patterns and help you redirect money towards savings or investments.
- Set Up an Emergency Fund
Life happens. Boilers break, cars need repairs, jobs change. Having three to six months of essential expenses tucked away means you won’t need to raid your investments or rely on expensive credit when surprises hit.
- Automate Your Savings and Investments
Willpower is unreliable, automation isn’t. Set up standing orders or direct debits so money flows into savings or investment accounts without you having to think about it. Over time, those small, regular contributions build into something substantial.
Final Thought
Good financial habits aren’t about grand gestures — they’re about simple, repeatable actions. Budget smartly, build a buffer, and automate the rest. Do that, and you’ll give your financial future a strong, steady foundation.
Published on: 09/01/2026
Contact: Daniel Sperber at Coleshill Wealth Management
T: 01675 622 445 | daniel@coleshillwealthmanagement.co.uk
The information contained in the blog is for information purposes only and does not constitute advice. Please seek financial advice prior to making any decisions.
The value of investments can go down as well as up, and you may not get back the full amount you invested. Past performance is not a guide to future returns.