I’m not sure what it is – but people seem to laugh at you when you’re serious about saving money. You’re chatting to someone and, quite often, they will remark as to why you’re not out every weekend or not always willing to drive a million miles to see them.

I started saving money as soon as I got a job, I set up an e-ISA account which gives you better savings rates, and started putting in a lump each month shortly after pay day. This way I would see the money go before I had a chance to A) spend it and B) budget for the remaining month without this money in my main Current account.

I have three accounts with NatWest as it stands. Partially for convenience sake, and partially because so far I’ve not had any problems with them.

I have a Current account with Debit Card – my salary goes into this and this is used for every day spending.

I then have an e-Saving account which is a ‘virtual’ account. I also deposit money in here each month. This is used for cars, and ‘toys’. If I want to get something that’s a little more expensive I will save money in this account for that purpose.

Then, as mentioned above, I have the e-ISA.

Anything I don’t spend or have left over at the end of the month / at pay day I then deposit in my e-ISA. So far I’m 3/4 of the way down to putting a 10% deposit on a house to the value of £100,000. I’ve been saving since 2008. It’s not hard….

I could be getting a better interest rate, if I shopped around. To get started take a look here: http://bit.ly/startsavingnow. It’s important to find a bank or building society that will let you open the account with a minimum of £1.