Saving for the unexpected can easily fall to the bottom of your list when you have bills, rent and other financial commitments to take care of in the short term.

However, it's important to start somewhere, no matter how small, and build up your knowledge and savings as you go along.

1. How much is enough?

If you're thinking about saving for a rainy-day fund, three to six months of your living expenses are what experts typically recommend for an emergency fund. It may take a while to save up but starting small is a great first step and can encourage you to save more once you see how well you get on. You can make use of tools such as MoneyHelper's budget planner to help track your spending.

2. Choose where to put your savings

If you're giving up a treat, like a daily coffee perhaps, you want to make sure you're getting as much value out of that money as possible. With ISAs, savings accounts and other online platforms, you can choose from a range of different savings mechanisms, each with varying rates of tax efficiency, interest and access. It always helps to put a portion of these savings in your pension. The DXC Pension Plan is a great way to save, thanks to company contributions and current tax breaks on the money you put in. If you find you're falling short of your retirement income target, the Plan can help to fill the gap.

3. Tag it!

Make saving more fun by inviting family or friends to join you in your savings goal and help you stay accountable. You can also find a daily, weekly, or monthly activity that you do and tag budget activity along with it – it's all about making saving and planning a habit within your routine. Buying your daily coffee? Some apps help you round it up to the nearest pound and put that money aside. Doing a weekly food shop? Use the time to check how your spending has been for the week. Doing your monthly bills? Take 15 minutes to reassess your savings goal for the month.