If I Had £0 in Savings, Here’s Exactly What I’d Do
The Budget Mum UK
20,729 views
If I had £0 in savings and had to start again from scratch, this is exactly what I would do.
No extreme no-spend challenge. No pretending everyone can suddenly save £1,000 a month. Just a realistic UK plan for going from no financial buffer to gradually building stability.
In this video I cover:
• Why I would NOT start with extreme cutbacks
• How to do a proper money deep dive first
• Why some people genuinely have an income problem, not a spending problem
• How I’d choose my first emergency savings target
• Why £100, £250 and £500 can matter
• Saving on payday rather than waiting for leftovers
• Rules for bonuses, windfalls and extra income
• How sinking funds stop predictable expenses becoming emergencies
• Weekly money check-ins
• Making savings progress visible
• Creating friction around impulse spending
• Where I’d keep an emergency fund
• How I’d approach expensive debt
• Why priority bills come first
• When to seek free debt advice
• Why financial education matters even when you’re starting with very little
• The reason financial security ultimately gives you more choices
FCA research found that around one in ten UK adults has no cash savings at all, with another 21% having less than £1,000 available in an emergency.
So if you’re starting from zero, you are not alone.
You do not need to fix everything immediately.
Your first goal is simply to become a little more financially secure than you were before.
💬 If you were starting today, what would your first savings target be: £100, £250, £500 or something completely different?
Subscribe for realistic UK budgeting, saving, family finance and money conversations from The Budget Mum UK.
#SavingMoney #EmergencyFund #BudgetingUK #MoneySavingUK #TheBudgetMumUK
All business enquiries: hello@thebudgetmumuk.com
If you’re trying to get on top of your money, I use my own budgeting planners and savings challenges to stay consistent — you can find them here:
https://thebudgetmumuk.etsy.com
Join our Facebook community for extra tips, support and real-life money chat:
Facebook: thebudgetmumuk
Want to earn cashback on everyday spending? I use this:
https://www.topcashback.co.uk/ref/sam...
If you fancy something a bit lighter, my romcom book is here:
https://www.amazon.co.uk/dp/B07C9587S...
3 months FREE Kindle Unlimited:
https://www.amazon.co.uk/kindle-dbs/h...
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Gem Stone Pen: https://amzn.to/3v4BLVS
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iPhone 12: https://amzn.to/3xbxVNh
ABOUT ME:
I’m Samantha, also known as The Budget Mum UK.
I’m a mum of two who turned things around after over £100,000 of debt, and now share realistic, no-nonsense ways to manage money, save on everyday life, and still enjoy it.
On this channel, I share:
• Budgeting tips that actually work
• Grocery savings & family finance
• Real-life money habits (no extremes)
• Ways to feel more in control of your finances
DISCLAIMER:
This content is for educational and entertainment purposes only. I do not provide financial, tax, or investment advice.
All information shared is based on personal experience and general knowledge, and may not be suitable for your individual circumstances. Always do your own research.
Some links in this description may be affiliate links, which means I may earn a small commission at no extra cost to you. Thank you for supporting the channel.
20 Comments
But above all this I’m recovering & know I have a lot to offer & determined to start again. I’ve not know stability for a very long time. But because i of this it has made he very strong minded & focused.
Bring rich to me is health without you have nothing & peace of mind.
Love your background music 🎵
I know I’m probably a bit extreme for most people on here but one thing I’ve found very helpful over the years is paying forward on things like the electric key and council tax and water, so like now I will have my 2 grand council tax bill for next year by December and I am halfway to my 500 water bill, 600 on my electric key and 130 on gas. It really creates breathing room. Also I know I e said it before but olio, cuts so much in The food budget. I’m trying to teach my kids about it , currently I’ve got 3 who get it completely and 2 who are impulsive spenders. It’s for sure a character trait
One step and a time.
Thank you! For real life and making it real
If I Had £0 in Savings, Here’s Exactly What I’d Do
The Budget Mum UK
20,729 views
If I had £0 in savings and had to start again from scratch, this is exactly what I would do.
No extreme no-spend challenge. No pretending everyone can suddenly save £1,000 a month. Just a realistic UK plan for going from no financial buffer to gradually building stability.
In this video I cover:
• Why I would NOT start with extreme cutbacks
• How to do a proper money deep dive first
• Why some people genuinely have an income problem, not a spending problem
• How I’d choose my first emergency savings target
• Why £100, £250 and £500 can matter
• Saving on payday rather than waiting for leftovers
• Rules for bonuses, windfalls and extra income
• How sinking funds stop predictable expenses becoming emergencies
• Weekly money check-ins
• Making savings progress visible
• Creating friction around impulse spending
• Where I’d keep an emergency fund
• How I’d approach expensive debt
• Why priority bills come first
• When to seek free debt advice
• Why financial education matters even when you’re starting with very little
• The reason financial security ultimately gives you more choices
FCA research found that around one in ten UK adults has no cash savings at all, with another 21% having less than £1,000 available in an emergency.
So if you’re starting from zero, you are not alone.
You do not need to fix everything immediately.
Your first goal is simply to become a little more financially secure than you were before.
💬 If you were starting today, what would your first savings target be: £100, £250, £500 or something completely different?
Subscribe for realistic UK budgeting, saving, family finance and money conversations from The Budget Mum UK.
#SavingMoney #EmergencyFund #BudgetingUK #MoneySavingUK #TheBudgetMumUK
All business enquiries: hello@thebudgetmumuk.com
If you’re trying to get on top of your money, I use my own budgeting planners and savings challenges to stay consistent — you can find them here:
https://thebudgetmumuk.etsy.com
Join our Facebook community for extra tips, support and real-life money chat:
Facebook: thebudgetmumuk
Want to earn cashback on everyday spending? I use this:
https://www.topcashback.co.uk/ref/sam...
If you fancy something a bit lighter, my romcom book is here:
https://www.amazon.co.uk/dp/B07C9587S...
3 months FREE Kindle Unlimited:
https://www.amazon.co.uk/kindle-dbs/h...
MY FAVOURITE TOOLS & GEAR:
Pink Calculator: https://amzn.to/3pTBCTa
Ring Light & Phone Holder: https://amzn.to/3jlCv3n
Gem Stone Pen: https://amzn.to/3v4BLVS
Swarovski Pen: https://amzn.to/3DTf23k
iPhone 12: https://amzn.to/3xbxVNh
ABOUT ME:
I’m Samantha, also known as The Budget Mum UK.
I’m a mum of two who turned things around after over £100,000 of debt, and now share realistic, no-nonsense ways to manage money, save on everyday life, and still enjoy it.
On this channel, I share:
• Budgeting tips that actually work
• Grocery savings & family finance
• Real-life money habits (no extremes)
• Ways to feel more in control of your finances
DISCLAIMER:
This content is for educational and entertainment purposes only. I do not provide financial, tax, or investment advice.
All information shared is based on personal experience and general knowledge, and may not be suitable for your individual circumstances. Always do your own research.
Some links in this description may be affiliate links, which means I may earn a small commission at no extra cost to you. Thank you for supporting the channel.