With winter in full swing, it’s no wonder that most of us are already considering sun-filled holidays. A holiday is the best way to reward yourself for all your hard work and it’s good for your mental and physical wellbeing too. Your saving for the summer holiday should start now.

However, the one thing standing between you, a sandy beach and crystal clear waters is your holiday fund. It’s not easy to save for a holiday when there are so many other financial commitments and responsibilities to pay for.

Freelancers have much more control over their finances compared to employees working in traditional roles. If you are a freelancer, you can dictate how much you charge for a specific job, how long you work each day, and how you invest the money you make.

While having more control over your financial situation is fantastic, it does present some challenges. One of the biggest challenges you will face is ensuring that your income is spent wisely and that you can save some money for a rainy day.

As we grow older, the importance of a financial nest egg becomes more and more relevant. With big life changes such as vehicle purchases, home purchases, and unexpected emergencies, it is always nice to have some money stashed away for a rainy day.

Savings accounts are not built overnight and getting to where you have a good amount saved up can take awhile. Luckily, we have 10 money management tips that you can start to build your savings today.