It could be as simple as having a bit more money in your account at the end of the month.
If you're a NatWest customer, the NatWest app* shows you where you spend your money and what you spend it on. Look at what you spend regularly and if you spot any categories where you’d like to spend less, you can set yourself a budget in each.
Setting a Savings Goal in the app is easy: just tap in how much you need to save and by when, and the app will tell you what you need to save each month to get there.