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HOW TO SAVE FOR SPECIAL OCCASIONS

September 9, 2020 in BEAUTY
arms doing cheers with cocktails

If you’ve been in full-time work for the last year, you have probably only been paid 12 times. Out of a possible 365 days of the year, 12 of them were pay day. That leaves 353 days of the year that aren’t your friend. Where special occasions occur, you will have to spend your disposable cash for that month on them (if you don’t have any savings), instantly reducing the amount of money left in the pot to spend on yourself. Once that special occasion has passed, are you now safe for the rest of the year to spend your 11 other pay days, minus your bills, on yourself? No. There are more special occasions right around the corner. What you need is a special occasions savings pot.

Start with a budget calculator

Using a budget calculator is not something for the faint of heart. In your mind, you probably earn more than the cold, hard, light of day figures confirm, and the ‘outgoings’ column for our personal expenses is most-likely in need of more straightening out than any of us would care to admit. However, special occasions are lurking, and without a means of funding them, you may have to turn down that invite to your friend’s wedding in a different part of the country, because you simply can’t afford to go. A budget calculator to identify exactly how much you can afford to put away each month, is the first step in starting that savings journey.box of pink rosesIntroduce a ‘no-spend day’ to your week

This might sound like a fad, but it actually works. By choosing a midweek day to not spend, you can really make some reductions in your outgoings. You’ll be amazed at how much your morning coffees and your lunches at work add up to. By preparing your meals in advance and taking your own coffee to work in a travel mug, you can bring down the total number of days in the week that your expenditure is going to be racking up the numbers against you. Sounds like it won’t help much? Over the course of a year, there are 52 Wednesdays. That means that you can reduce the number of days that your outgoing bank balance is in action per year from 365 to 313. Once you’re used to it, why not introduce a second no-spend day. It’s easier than you think. Then at the end of the month, put that money that’s left in your bank balance into your savings as a top-up.

Read my post on How To Be Smart With Your Finances.

Open a savings account

Once you have a budget, aim for a monthly savings plan that represents about 20% of your earnings. This sounds steep, but life is expensive and you are going to be called upon to attend all manner of events over the coming months (some of which you may even be hosting yourself, depending on what milestones you have in the pipeline). With this kind of saving per month, you can be sure that you have a reliable cushion to help deal with every birthday gift and family celebration that comes knocking on your door with its hands out asking for money.

You can see more of what i’m loving, and what i’m doing, over on my Instagram.

Tags : finance, how to save money, lifestyle, money tips, saving for special occasions, savings

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ABOUT ME

ABOUT ME

Laura Pearson-Smith is an ex beauty journalist that's obsessed with luxury skincare and makeup. She's all about that glow! She is also a luxury travel writer and always has a trip planned. Laura has a chic style and enjoys sharing her life and loves.

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PR samples — We’re halfway through the week!! PR samples — We’re halfway through the week!! Had a little #pinkwednesday play with the below products...  @lauramercier Caviar Stick in Orchid
@lancomeofficial Idole Mascara
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@ctilburymakeup Hyaluronic Happikiss in Pillow Talk
💗  #lauramercier #charlottetilburymakeup #charlottetilburylipstick #charlottetilburypillowtalk #charlottetilburyhappikiss #givenchyprismelibre #givenchymakeup #lancomeidolemascara #lancomeidole #makeuplooksgood #makeuplookideas #makeuplooksbyme #makeuplooks #glowymakeup #glowymakeuplook #glowyskingoals #dewymakeup #dewymakeuplook #ukbeautyblogger #ukbeauty #ukbeautyblog #beautycommunity #skincarecommunity #makeupcommunity #makeupaddicted #bbloggeruk #bbloggersuk
PR sample — Happy #texturetuesday 🥳 This is t PR sample — Happy #texturetuesday 🥳 This is the brilliant new scalp treatment from @tresemmeuk - you get hair posts 2 days in a row! The Tresemme Purify & Hydrate Exfoliating Pre Shampoo Scrub is currently half price in Superdrug for just £3.02!
💆🏻‍♀️
This scrub is helping my hair to last longer between washes as my problem is that my roots get greasy fairly quickly. It does take a while to rinse out, but it’s worth that extra effort. The exfoliant is coconut shells! It also has menthol in it which is really refreshing & awakening in the morning.
💆🏻‍♀️
Adding this into my routine before a hydrating shampoo really deeply cleans my roots and stops them getting oily so fast, meaning that my roots and ends progress at the same dirtiness pace!
😂  #tresemme #tresemmé #scalptreatment #scalpcare #scalpscrub hairtreatment #hairtreatments #haircareroutine #haircareproducts #haircareproduct #haircareproductsthatwork #beautycommunity #beautyreview #beautyreviews #beautyreviewer #bbloggers #bbloggeruk #skincarecommunity #skinfluencer #instabeautyblogger #instabeautyblog #ukbeautybloggers #ukbeautyblog #goodhairdontcare #goodhairvibes
PR sample — You’ll have seen a lot of this pro PR sample — You’ll have seen a lot of this product over the last couple of weeks & it’s for good reason. It very much is, indeed, a miracle. In just 8 seconds, as your conditioner, this will give you the smoothest, sleekest, softest hair you’ve ever had. I’ve just ordered 2 more bottles.
🙌🏻
The L’Oreal Dream Lengths 8-Second Wonder Water is £9.99 and you’ll get no more than 10 applications per bottle, but it sure is ‘worth it’. Wonder Water is a breakthrough damaged hair treatment, in a rinse-out liquid conditioner formula that’s powered by Lamellar Water Technology. Moisturising agents and amino acids target dry, damaged areas of hair, forming thin layers called Lamella to smooth hair’s surface instantly transforming lengths for silkier, shinier and healthier-looking hair. 
🙌🏻
I’m honestly not sure I’ll ever use another conditioner again. You need it, go buy it. Now, now, now!
💗  #selfcaresunday #loreal #lorealparis #lorealhair #loreal8secondwonderwater #loréal #hairconditioner #hairtreatment #hairtreatments #hairsmoothing #hairsmoothening #hairrepair #haircareroutine #haircareproducts #haircareproduct #haircareproductsthatwork #beautycommunity #beautyreview #beautyreviews #beautyreviewer #bbloggers #bbloggeruk #skincarecommunity #skinfluencer #instabeautyblogger #instabeautyblog #ukbeautybloggers #ukbeautyblog #goodhairdontcare #goodhairvibes
PR sample — There’s only a few more days to ge PR sample — There’s only a few more days to get your hands on this month’s epic @mintdbox - it’s a fantastic box this month, as usual. Now is the time to jump on board as a subscriber as I’ve been told March’s box is a super special one!
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💗  #mintdbox #beautysubscription #beautysubscriptionbox #luxurybeauty #luxuryskincare #luxuryskincareproducts #highendbeauty #highendskincare #skincareaddicts #skincareaddicted #skincarejunkies #skincareobsessed #butfirstskincare #skincarefirst #selfcaresunday #bbloggersuk #bbloggeruk #ukbblogger #bbloggers #instaskin  #skincarecommunity #instaskincare #igskincarecommunity #igskincare #beautycommunity #oskia #aromatherapyassociates
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PR samples — We’re halfway through the week!! PR samples — We’re halfway through the week!! Had a little #pinkwednesday play with the below products...  @lauramercier Caviar Stick in Orchid
@lancomeofficial Idole Mascara
@givenchybeauty Prism Libre Skin-Caring Glow Foundation 
@ctilburymakeup Hyaluronic Happikiss in Pillow Talk
💗  #lauramercier #charlottetilburymakeup #charlottetilburylipstick #charlottetilburypillowtalk #charlottetilburyhappikiss #givenchyprismelibre #givenchymakeup #lancomeidolemascara #lancomeidole #makeuplooksgood #makeuplookideas #makeuplooksbyme #makeuplooks #glowymakeup #glowymakeuplook #glowyskingoals #dewymakeup #dewymakeuplook #ukbeautyblogger #ukbeauty #ukbeautyblog #beautycommunity #skincarecommunity #makeupcommunity #makeupaddicted #bbloggeruk #bbloggersuk
PR sample — Happy #texturetuesday 🥳 This is t PR sample — Happy #texturetuesday 🥳 This is the brilliant new scalp treatment from @tresemmeuk - you get hair posts 2 days in a row! The Tresemme Purify & Hydrate Exfoliating Pre Shampoo Scrub is currently half price in Superdrug for just £3.02!
💆🏻‍♀️
This scrub is helping my hair to last longer between washes as my problem is that my roots get greasy fairly quickly. It does take a while to rinse out, but it’s worth that extra effort. The exfoliant is coconut shells! It also has menthol in it which is really refreshing & awakening in the morning.
💆🏻‍♀️
Adding this into my routine before a hydrating shampoo really deeply cleans my roots and stops them getting oily so fast, meaning that my roots and ends progress at the same dirtiness pace!
😂  #tresemme #tresemmé #scalptreatment #scalpcare #scalpscrub hairtreatment #hairtreatments #haircareroutine #haircareproducts #haircareproduct #haircareproductsthatwork #beautycommunity #beautyreview #beautyreviews #beautyreviewer #bbloggers #bbloggeruk #skincarecommunity #skinfluencer #instabeautyblogger #instabeautyblog #ukbeautybloggers #ukbeautyblog #goodhairdontcare #goodhairvibes
PR sample — You’ll have seen a lot of this pro PR sample — You’ll have seen a lot of this product over the last couple of weeks & it’s for good reason. It very much is, indeed, a miracle. In just 8 seconds, as your conditioner, this will give you the smoothest, sleekest, softest hair you’ve ever had. I’ve just ordered 2 more bottles.
🙌🏻
The L’Oreal Dream Lengths 8-Second Wonder Water is £9.99 and you’ll get no more than 10 applications per bottle, but it sure is ‘worth it’. Wonder Water is a breakthrough damaged hair treatment, in a rinse-out liquid conditioner formula that’s powered by Lamellar Water Technology. Moisturising agents and amino acids target dry, damaged areas of hair, forming thin layers called Lamella to smooth hair’s surface instantly transforming lengths for silkier, shinier and healthier-looking hair. 
🙌🏻
I’m honestly not sure I’ll ever use another conditioner again. You need it, go buy it. Now, now, now!
💗  #selfcaresunday #loreal #lorealparis #lorealhair #loreal8secondwonderwater #loréal #hairconditioner #hairtreatment #hairtreatments #hairsmoothing #hairsmoothening #hairrepair #haircareroutine #haircareproducts #haircareproduct #haircareproductsthatwork #beautycommunity #beautyreview #beautyreviews #beautyreviewer #bbloggers #bbloggeruk #skincarecommunity #skinfluencer #instabeautyblogger #instabeautyblog #ukbeautybloggers #ukbeautyblog #goodhairdontcare #goodhairvibes
PR sample — There’s only a few more days to ge PR sample — There’s only a few more days to get your hands on this month’s epic @mintdbox - it’s a fantastic box this month, as usual. Now is the time to jump on board as a subscriber as I’ve been told March’s box is a super special one!
💗
In February’s box you get 4 full-size luxury skincare products (worth £212) for just £70! We all need some self-care time at the moment & that’s the theme of this month’s box!
💗
The Oskia Renaissance Mask is a cult favourite & I’ve loved it for years. It’s a thick lush balm that you lather on your face, leaving it for 20 mins to do it’s amazing exfoliation & radiance-boosting work. The Kora Organics Noni Bright Vitamin C Serum brightens, boosts skin elasticity, diminishes the appearance of lines and hydrates the skin too. The Aromatherapy Associates Rose Bath & Shower Oil is a heavenly treat. I apply it around my shoulders and chest, breathing  in the calming aroma, before getting into the shower. Finally, Prismologie’s Rose Quartz & Rose Balm soothes your mind and nourishes the skin on your body. It leaves you with a little bit of lustre too 💫 
💗  #mintdbox #beautysubscription #beautysubscriptionbox #luxurybeauty #luxuryskincare #luxuryskincareproducts #highendbeauty #highendskincare #skincareaddicts #skincareaddicted #skincarejunkies #skincareobsessed #butfirstskincare #skincarefirst #selfcaresunday #bbloggersuk #bbloggeruk #ukbblogger #bbloggers #instaskin  #skincarecommunity #instaskincare #igskincarecommunity #igskincare #beautycommunity #oskia #aromatherapyassociates
💗 💗
PR samples — What amazing makeup have you discov PR samples — What amazing makeup have you discovered recently? These are all fairly new in my collection but I’m already in love. The only one I haven’t used yet is the Charlotte Tilbury eyeshadow quad, but how pretty is it?!
🥰
@ctilburymakeup Hyaluronic Happikiss in Pillow Talk
@ctilburymakeup Hollywood Flawless Eye Filter in Diva Lights
@lancomeofficial Lash Idole Mascara
@lauramercier Blush Color Infusion in Passionfruit
@lauramercier Lip Glacé in Rose Gold Accent
@marcjacobsbeauty Glam Glitter Eyeshadow in Glitter Rock
@marcjacobsbeauty Le Marc Lip Creme in Cream & Sugar
🤩  #lauramerciercosmetics #lauramercier #lancôme #lancomelashidole #lancomemascara #marcjacobsbeauty #charlottetilburymakeup #charlottetilburyhyaluronichappikiss #charlottetilburyeyeshadow #makeupcollector #makeupaddicts #makeupaddicted #makeupjunkie #makeupobsession #ınstamakeup #instamakeuplovers #makeupstash #newmakeup #newmakeupproducts #makeupcommunity #beautycommunity #skincarecommunity #ukbeautyblog #ukbeauty #ukbeautyblogger #makeupfavorites #makeupfavourites #glasgowbloggers #skincareaddict
Gifted — I am beyond ready for the weekend. This Gifted — I am beyond ready for the weekend. This week hard been so full-on work wise, from all sides, and I’m knackered. I just want to lie in and read @tatlermagazine under my @finebeddingco  pink coverless quilt. It’s honestly like a big, soft, fluffy cloud & you just pick it in the washing machine & it’s super-fast drying too!
☁️  #finebeddingco #beddingdecor #luxurybedding #beddingset #beddingsets #beddingstyle #luxuryhomedecor #luxuryinterior #bedroominspo #bedroomideas #bedroomstyling #bbloggersuk #bbloggeruk #beautycommunity #skincarecommunity #dreamingoftheweekend #weekendmood #weekendreading #skincareinfluencers #skincarebloggersuk #skinfluencer #relaxandunwind #relaxationtime #selfcareaccount #selfcarepage #beautypage #beautyfeed #selfcarefirst #beautyaccount
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