Why Saving for the Future Matters – From a Financial Adviser Who’s Also a Mum of Three

As a financial adviser – and a mum of three – I know first-hand how hard it can be to juggle day-to-day expenses while trying to plan for the future.

Like many families across the UK, my household budget includes everything from school shoes and packed lunches to swimming lessons and the odd birthday party that somehow always costs more than expected. Life is busy, unpredictable, and often expensive – but that’s exactly why saving has become a non-negotiable part of my financial planning, both professionally and personally.

So today, I want to talk to you -not just as an adviser, but as someone who lives it too - about why saving for the future is so important, and how it can make a meaningful difference to your overall financial well-being.

The Everyday Reality – and Why It Calls for a Safety Net

We all know life doesn’t always go to plan. One week it’s a leaky roof, the next it’s a sudden dental bill or a car repair that couldn’t come at a worse time.

Having some form of emergency savings gives you the ability to absorb these unexpected costs without it completely derailing your finances or forcing you into debt. Even a modest savings buffer can make those “oh no” moments feel far less stressful.

Saving Isn’t Just About You – It’s About Your Family’s Future

As a parent, I think about the future constantly. Will I be able to help my children with university costs or their first car? Will I be ready to support them if they need help renting their first flat?

These aren’t just distant dreams - they’re financial goals. And the only way to reach them is through intentional, consistent saving. It’s not always easy, but the peace of mind it brings is priceless.

What Financial Well-Being Really Means

In my work, I talk a lot about financial well-being -but what does that actually mean?

Put simply, it’s about feeling secure, in control, and prepared. It’s not just having money - it’s having confidence in how you manage it. And saving is a key part of that.

Here’s how saving contributes to a stronger sense of financial well-being:

Knowing you’ve got a financial cushion helps ease the worry that can come from living paycheque to paycheque. It allows you to respond - not react - when life throws a curveball.

Whether it’s changing careers, taking a family holiday, or simply turning down overtime to spend more time with your kids, having savings gives you the freedom to make choices based on what matters most to you - not just what you can afford in the moment.

Watching your savings grow, even slowly, is empowering. It reinforces a sense of progress and control over your financial journey.

“But There’s Never Anything Left to Save…”

This is something I hear a lot - and I get it. Between rising living costs and everyday expenses, it can feel like there’s no room left for saving. But the key is to start small and be consistent.

Here are a few strategies I use personally and recommend to clients:

• Automate it: Set up a standing order that moves money into a savings account right after payday - even if it’s just £20 a month.
• Use digital tools: Many UK banks offer features like “round-ups” that save your spare change from purchases. You’d be amazed how quickly it adds up.
• Set clear goals: Whether it’s a holiday, a home deposit, or an emergency fund, having a purpose for your savings keeps you motivated.
• Treat savings like a bill: Prioritise it just like rent or utilities. Future-you will thank you.

Final Thoughts – From a Mum and a Financial Adviser

Saving isn’t about having lots of money. It’s about making the most of what you have and putting yourself (and your family) in the best position possible for the future.

I’m not just speaking from spreadsheets and financial models - I’m living it too. I understand the pressures, the unpredictability, and the balancing act of family life. But I also see the transformation that happens when someone takes control of their savings and starts to build a more secure future.

So, whether you’re just starting out or revisiting your financial goals, my advice is simple: make saving a habit, not a hope. Your future self - and your family - will be better off for it.

If you’re not sure where to begin or how to build a realistic savings strategy, I’d be happy to help. Let’s work together to create a plan that fits your life, your goals, and your values.

Thanks for reading – and if this resonated with you, feel free to get in touch for a chat. I’m here to help you make smart, confident financial decisions for yourself and your family.

Although the content of the article was correct at the time of writing, the accuracy of the information should not be relied upon, as it may have been subject to subsequent tax, legislative or event changes.