So many people engaged with a recent Facebook post from one of our members that we thought the information was too good not to share. From cashback to monetary bonuses and ISAs, Jam Doughnut, Biscuit and Cheddar never sounded so good!
Here are 8 ways to save money in 2026, as recommended by the egg community...
1. Use cashback to overpay your mortgage
"I use Sprive to make overpayments to my mortgage. You get cashback for things you’re already buying, like 2.5% cashback for Tesco/Asda/Sainsburys/Morrisons, which if you do your weekly food shop all adds up. You link your bank account and mortgage to the app, then you can pay directly to your mortgage. There’s also an auto-save option, and it shows how much interest you’ll save and how many months you’ll knock off your term. It’s eye-opening how much the little overpayments make." Katie Campbell
2. Open accounts for bonuses & better rates
"I've opened a few bank accounts without switching purely to take advantage of the monetary bonuses they offer. Some also have other advantages like cashback perks so worth looking into."
"Lloyds are giving you £50 for opening a current account with them. New customers only. I just chose the basic, no fees account. Monzo are giving you £10, £20 or £50 when you sign up. Chase are offering a £50 bonus for signing up."
"Opening a Zopa Biscuit account is worth it for access to a 7.1% interest saver! There's a max of £300 you can add a month but still an amazing rate." Melanie Roccio
4. Check for cashback & automate your savings
“I use TopCashback, and before buying anything I check if I can get cashback from them. I also bank with Monzo who offer cashback from different retailers. I have savings pots and two bots set up via IFTTT for round ups and putting money away every day. Over a year these are worth £ks [thousands]. Monzo also offers a flexible ISA, so you can have pots inside a pot, which all benefit from being tax free.” Jill Louise McKeown
5. Get your finances in order with free education
"Rebel Finance School is brilliant, and free. It helps you get your head around finances, sort out your spending, create a ‘gap’ and get ready for retirement. There's a Facebook group with lots of tips." Jill Louise McKeown
5. Financial planning for an easier life
“I’d recommend a financial planner at Edinburgh-based Melville Independent. They’re an egg partner and a lovely, all-round helpful bunch. A financial planner helps take everything you already have (income, savings, pensions, protection, investments) and makes sure it’s working together properly. Small, smart adjustments make a big difference over time! And no, you don’t need a massive pay-packet to get one!” Kylie Reid
6. Start saving early
"For savings, I use Moneybox and set up a monthly amount to go into my cash ISA, as the account I have has a good interest rate, and some also goes into stocks and shares."
"When my son was born, I immediately set up a head start savings account for him with the highest interest rate. It’s only gone down to 4.5% in seven years. I have a monthly direct debit into his account every payday." Becca Lockhart
7. Make sure every spend earns you something back
"A saying I heard once was: ‘Never part with cash unless you get rewarded for it.’ Whether it’s cashback or loyalty points, make sure you’re getting something back. I use JamDoughnut and Cheddar for instant cashback. It’s so easy to save a few quid on pretty much everything I buy. i transfer the saved cash into my current account and have my treat or night out as a 'freebie'." Steph Steph
8. Shop smarter
"I have TopCashback and Rakuten for cashback. Rakuten pay out very quickly and they have good offers. I also use Airtime but only one of our phone contracts are compatible so something to watch out for!" Gemma Mackeie
Got a money-saving tip that works for you? Share it with the egg community… your idea might help someone else save in 2026. Join us on Facebook.
If you'd like a financial audit with Melville Independent, call 0131 260 2760 or send an email to [email protected]
