Starting a savings plan doesn’t have to be overwhelming. Whether it’s holidays, school uniforms, birthday gifts, or building an emergency fund, planning ahead can turn stress into confidence. Even small, consistent contributions can make a huge difference over a year and beyond. Here’s how Derbyshire Community Bank members can make their money work smarter in 2026.
Every member’s finances are different. Instead of a fixed target, start by working out what you can realistically save each month using our Budget Planner.
Putting £24 a month into a holiday fund gives you £288 in a year for a short break. Saving £12 a month for school costs covers uniforms or supplies, and £12 a month for birthday gifts means you’re never caught off guard. Small amounts each month add up and make planning easier.
Assign each pot a goal so your money works for you.
Examples:
Holiday fund – even a small pot helps you plan a treat without stress
School costs – save gradually to avoid last-minute pressure on uniforms or supplies
Emergency fund – a little set aside each month gives you peace of mind
You can set up a Goal Saver Account anytime on our mobile app. This lets you track your progress as you go along.
Set up automatic contributions, even small ones. It removes the worry of remembering and ensures progress.
£12 a month automatically goes into your holiday pot
Over a year, that’s £144 toward your goal
If you can afford to put aside a little more than £12 a month, even better, every extra pound helps you reach your goals faster. With our support, you can start small and increase contributions when you’re able, letting your savings grow naturally.
We understand that everyone’s situation is different. Our team can offer
Guidance on budgeting and managing expenses
Help choosing the right savings account or plan
Guidance for members facing financial challenges, so saving feels achievable
We also offer loans to support members, including options like “Save as You Borrow” and the Holding Saver, helping you manage repayments while still building your savings. These are only available if affordable so you can get the help you need without adding unnecessary stress.
And don’t forget our simple habit: “Pay Day, Save Day.” Even if you can only put aside £12 on payday, doing it consistently builds the habit of saving. Over time, this small step can create a much more stress-free financial lifestyle, helping you plan ahead, meet your goals, and feel more in control.
