Canadians spend an average of $306 per month on unplanned purchases and splurges, finds a Scotiabank poll. These add up over time, and can include a random night out, buying clothes while window shopping, or picking up a latte.

Read: Canadians spend thousands on impulse buys

“Planning for unplanned spending can be as easy as setting aside a fund so you can make that impulse purchase without dipping into your savings and taking you off track from your goals,” advises Ahmad Dajani, vice president of investments, GICs & sales tools at Scotiabank.

Read: Canadians risk outliving their savings

Here are some tips to help clients save.

  • Create a proactive strategy with a savings plan. What do clients want their futures to look like? Whether they want to travel the world, buy a first home or set up a child’s college fund, the best way to reach these goals is to create a plan that includes a cushion.
  • Keep an eye on spending. Help him recognize patterns where he may be spending too much at a particular store or restaurant.
  • Commit to protecting savings. Make your savings important and non-negotiable, like paying off a hydro bill or a car payment.

Read on for more tips.

The true cost of debt

Help clients save for major purchases

Help clients save with tax tips

Too many boomers retire with debt

Cdns in more debt than expected: StatsCan