How to Save & Invest Even with Small Amounts

Hi MOBsters!

We hope you’re enjoying / surviving the Easter holidays! At Mums Who Build, we’re here to help you gain financial confidence and security. This week, we’re tackling a common question: “Can I start saving and investing with small amounts?” The answer? Absolutely!

In our latest Instagram Live, Jo Dean, an award-winning financial advisor, shared that even small, consistent contributions can grow into significant savings over time. Whether you’re saving for a rainy day, your children’s future, or long-term financial security, there are simple ways to get started today.

1. Why Saving & Investing Matters for Mums

Jo emphasised that building financial security starts with forming good saving habits. Here’s why it’s important:
✅ Even small amounts add up – Compound interest can help your money grow over time.
✅ Develops a strong financial foundation – Regular saving and investing creates stability.
✅ Gives you more financial choices – A safety net allows for better decisions in the future.

💡 MOB Tip: Start small and be consistent—£10 a week may not seem like much, but over time, it adds up!

2. How to Start Saving with Small Amounts

Jo highlighted that saving doesn’t require big deposits. Here are some easy ways to get started:
✅ Use “Round-Up” Savings Apps – Some banks round up your purchases and save the spare change.
✅ Automate Your Savings – Set up a direct debit for even £5 or £10 per week into a savings account.
✅ Set a “No-Spend” Challenge – Choose a category (like takeaway coffee) and save that money instead.
✅ Look for Cashback & Rewards – Some apps offer cashback for everyday spending, which can go straight into savings.

💡 MOB Tip: Small, regular savings create a habit—once it’s part of your routine, it becomes effortless!

3. How to Start Investing with Small Amounts

Jo reassured us that investing isn’t just for the wealthy—it’s about starting early and staying consistent. Here are some beginner-friendly options:
✅ Stocks & Shares ISAs – A tax-efficient way to invest in funds, shares, and bonds.
✅ Micro-Investing Apps – Some platforms let you invest as little as £1.
✅ Lifetime ISAs (LISAs) – a potential option if youre saving for your first home or retirement, depending on what you are looking to buy and your current tax position.

💡 MOB Tip: Investing is about time in the market, not timing the market—starting small today can lead to big growth over time.

4. The Power of Compound Interest

Jo highlighted that one of the most powerful forces in saving and investing is compound interest.

• If you save or invest a small amount regularly, interest is earned not just on your deposits but also on previous interest.

• Even small contributions—£20 a month—can grow into thousands over time.

💡 MOB Tip: Use an online investment calculator to see how small amounts can grow over time—it’s a great motivator!

5. Teaching Kids About Saving & Investing

Jo shared that involving kids in money conversations early helps build strong financial habits.
✅ Give them pocket money & encourage saving – Teach them to split it between spending and saving.
✅ Use a Junior ISA (JISA) – A tax-free savings account to build their financial future.
✅ Make saving fun – Use a chart or app where they can see their money grow.

💡 MOB Tip: Helping kids understand the value of money early sets them up for a financially secure future.

6. Planning for the Future

Jo emphasised that starting small today can lead to long-term financial security. Ask yourself:
✅ Am I saving regularly, even if it’s a small amount?
✅ Have I explored beginner-friendly investment options?
✅ Could I increase contributions slightly to boost long-term growth?

💡 MOB Tip: The key to financial success is consistency—start small, and increase when you can!

Join Our Monthly Instagram Live with Jo Dean

📅 Mums Who Build hosts a FREE monthly Instagram Live on the last Monday of each month with Jo Dean!
📲 Join us to:

• Ask your finance-related questions live.

• Gain expert insights into saving, investing, and financial planning.

• Learn how to make smart financial decisions for your future.

Follow us on Instagram to stay updated!

Final Thoughts

We hope this blog helps you see how small amounts can grow into big savings over time. Building financial confidence starts with simple, consistent actions!

💬 We’d love to hear from you – Are you saving or investing with small amounts? Drop your thoughts in the comments below!

📅 Don’t forget to join us at the end of the month for our Instagram Live with Jo Dean!

Who is Jo Dean?

Jo Dean is an award-winning financial advisor and was named ‘Woman of the Year, Investment Advice’. She helps clients simplify their path to financial security through personalised strategies. Her expertise covers tax mitigation, retirement & investment planning, asset protection, estate & inheritance planning, and cash & currency management.

🚀 How Jo Can Help:
Jo takes a tailored, bespoke approach to financial planning, recognising that no two individuals share the same financial journey. Her ability to see the bigger picture and build trust with clients ensures that financial strategies align perfectly with individual aspirations.

📲 Want to connect with Jo for personalised financial guidance? Reach out to her via LinkedIn or contact her directly at jo@avantiwm.co.uk | 07972 114 038. Jo can also recommend accountants for those needing tax or accountancy support.

🚨 Disclaimer: This article is for educational purposes only and does not constitute financial advice. Always seek professional guidance for your unique circumstances.