How to start saving when you’re broke

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Your 2-minute guide to demystifying money and making you richer

The easiest way to start saving when you’re broke

It’s all very well telling people they need to save money for the future. But what if you’re broke? How do you start?

We got you.

• There are ways to force yourself to save, automatically, so that you don’t know you’re doing it, using very small sums of money.

You can have the robots do it for you.

‘Round up’ accounts: the power of loose change

In the old days, people saved money by dropping their loose change into a jar at the end of the day. You’re parents probably did this.

Today, via the magic of the internet, you can make sure all your “loose change” goes into a savings account in a way you’ll barely notice:

They’re called “round-up” accounts. They work by using apps to round up any money you spend via your card or phone to the next nearest pound, and then sweeping that loose change into a savings account. Spent £3.45? The app will send 55p (the difference between £3.45 and £4)…