Making money work harder
When setting aside savings, another tip is to look into the options of where to store it, Ms Laidlaw said.
“If you’re working towards a short-term goal or looking to build up an emergency pot of cash, you’re probably better saving into something like an easy-access savings account or cash ISA, which are both easily accessible and low risk.
“However, leaving your money invested in cash over the long-term may not be the best option to reaching your longer-term financial goals.
“In contrast, investing in a stocks and shares ISA, for example, could make your money work harder and could generate much stronger returns.
“If you are not sure on what is right for you at this time, speak to a professional adviser who can provide relevant information and options for how to invest.”