Barry Bigelow from Great Waters Financial shares some tips for saving for expenses you may not have expected. Bigelow says some examples of that are car problems and medical concerns.

He says that having a backup plan is key to feeling less stressed when it comes times for the inevitable surprise expenses. He says using direct deposit to save is a good way to build up some money. Bigelow adds that using a direct deposit account not connected to your current bank is helpful.

Another tip mentioned was adjusting your lifestyle, especially around the holidays. “It’s something you may not want to hear,” Bigelow said. He says that challenging yourself financially is key.