Your savings checklist to stay on track with your mortgage deposit goals
Keep this list savings checklist handy to stay focused on your savings goals.
- Set your summer ‘Fun’ budget
- Decide how much you can realistically spend on socialising and treats this summer
- Use cash or a prepaid card to help you stick to your limit
- Revisit your ‘Why’
- Create a visual of your dream home or deposit target
- Set reminders to help keep your goal front and centre
- Track your weekly spends
- Use apps like Monzo, Plum, or Emma to monitor your spending
- Set up savings pots or automatic round-ups
- Choose low-cost summer activities
- Plan picnics, BBQs, beach days or walks instead of eating out
- Look out for free events, outdoor markets or local festivals
- Pause before purchases
- Ask: “Does this bring me closer to or further from my home?”
- Avoid impulse buys by sleeping on non-essential purchases
- Keep savings in a separate account
- Use a high-interest savings account or a LISA (Lifetime ISA) if eligible
- Turn off easy access to reduce temptation
- Celebrate small wins
- Every £10–£20 saved is progress!
- Mark milestones to keep your motivation going
- Check in with a Mortgage Advisor
- Find out how close you are to your deposit goal
- Get a Mortgage in Principle to understand your real budget
You can download our PDF guides here.
Remember: Smart summer choices doesn’t have to mean missing out on the fun – it means you’ll have your keys in your hand sooner!
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