Set it, forget it, collect it
Open a vault, name it something motivating, and switch on auto‑top‑up. Your salary lands, a slice moves itself, and the 4.5% AER accrues daily — paid out monthly, withdrawable instantly.
The lazy part is the point. Savings plans fail when they need willpower every month. This one needs willpower once, for about ninety seconds.
The round‑up turbo
Pair the vault with round‑ups and every card payment quietly contributes its spare change. It feels like nothing. After a year, it looks like a holiday.