Day 18 of 28 Days Richer
One thing each day that puts money in your pocket and takes 5 minutes or less.
75% spending, 10% saving, 15% investing.
This is how financially comfortable people structure their money – simple percentages, no spreadsheets, just three numbers.
Breaking It Down
75% covers everything: rent, bills, food, transport, entertainment, clothes, and fun stuff – your entire lifestyle fits in here.
10% goes to savings for your emergency fund, sinking funds, and future purchases.
15% goes to investing through pension contributions, stocks and shares ISAs, and building long-term wealth.
Why These Numbers
They’re balanced because you’re not sacrificing today completely for tomorrow, but you’re also not spending everything and hoping for the best.
The 15% investing is where real wealth gets built over time, while the 10% savings keeps you safe in the short term.
Today’s 5-Minute Action
Calculate what 10% and 15% of your take-home pay actually looks like and write down the numbers.
Then set up (or adjust) standing orders to match – savings on payday, investment contributions monthly.
Trading 212 provides access to over 10,000 stocks, funds, ETFs and investment trusts.
They offer commission-free trading* and their auto investing feature is excellent.
OUR OFFER - To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 using promo code 'GAINS'. Terms apply
*Other fees may apply. See terms and fees
**When investing, your capital is at risk. If you enable interest, Trading 212 will hold your cash in qualifying money market funds and banks. Otherwise, your cash will be held only in banks. Interest applies on cash in an investment account. Terms apply.
- Commission free trading*
- Earn interest on uninvested cash**
- Fantastic mobile app
- Award winning ISA
- No personal pension
Starting Point
If you can’t manage 10% and 15% right now, start lower.
5% and 5% is better than nothing, and you can increase by 1% every few months until you hit the target.
The goal is direction, not perfection on day one.
The Automation Part
This only works if it’s automatic – standing orders on payday with money moved before you see it.
The 75% that’s left becomes your new normal, and you’ll adjust faster than you think.
Ready for more 28 Days Richer?
Get back to the rest of the series: Click Here
