Saving can feel like one more thing to worry about. Maybe you don't know where to start, or there's never anything left by the end of the month. Most of these worries have a simple fix, and you don't need a big amount to start saving. Here are five of the most common, and what to do about each.

1. "I don't know where to start"

The easiest way to start saving is to pick one thing to save for and one amount you can manage. A clear goal, like a holiday, a new car or a cushion for emergencies, gives you a reason to keep going.

The amount matters less than the habit. A regular amount you can comfortably maintain is better than a larger amount you may have to stop.

2. "There's never anything left at the end of the month"

Then don't wait for the end of the month. Save on payday, before the money has a chance to go anywhere else.

• Save from your pay. With payroll saving, the amount you choose goes into your savings before your pay reaches your bank. It's available if your employer is one of our partners.
• Save by direct debit. If payroll saving isn't available to you, you can save a set amount every week or month by direct debit. Once it's set up, you don't have to remember to do it.

3. "I don't know where my money goes"

Often some of it goes on ghost subscriptions: streaming services, apps and free trials that turned into paid plans. They're easy to forget, because they leave quietly every month. Go through last month's bank statement and mark anything you no longer use.

• Cancel what you don't use. Check the subscriptions list on your phone too. Anything bought through an app store may not show the company's name on your statement.
• Save what you free up. Move the same amount into savings each month. Otherwise it tends to get spent on something else.

4. "What if something goes wrong?"

A broken boiler or a car repair is much less worrying when there's money set aside for it. Keep that money apart from your everyday account, so it doesn't get spent by accident, but somewhere you can reach quickly.

Our Instant Access Share Account lets you deposit and withdraw whenever you need to, with no notice period.

5. "Christmas is coming"

Once Halloween is over, Christmas comes round quickly, and most of the cost lands in one month. Spreading it out takes the pressure off December.

• Start now for this year. Putting a little aside each payday between now and December still makes a difference.
• Get ahead for next year. Our Christmas Saver is a separate account for spreading the cost of Christmas throughout the year, saving a little each month.

You don't have to tackle all five at once. Pick the one that sounds most like you and start there.

Not a member yet? You can apply to join and open your first savings account at the same time, all online.

If money is tight right now, it's fine to put saving on hold. If you're worried about money, our money support page explains how to talk to us, in confidence and without judgement.

Subject to status and affordability. Membership eligibility criteria apply. Eligible deposits are protected by the Financial Services Compensation Scheme up to £120,000 per member.