Setting money aside for the future is hard. But having a store of money to fall back on is an essential buffer that can help you avoid problem debt.

If you've made a resolution to put more aside, we have an app full of smart, fresh features that have been designed to help ๐Ÿ“ฒ

These features harness our recent Behavioural Science research, and use intelligent personalisation to help you score your goals quicker.

Introducing Plum Pockets ๐Ÿ™‹

You asked for it... we delivered ๐Ÿค

Pockets are now live! Pro tipโ€ฆ your banking app might call them pots.

Pockets let you earn interest on your savings, customise your Plum account, and allocate goals so that you can work towards specific targets ๐ŸŽฏ

This makes it easier to track your progress and can help you set more aside (compared to someone who doesn't set a goal) ๐Ÿค“

If you need a little inspiration to get you started, Plum can even suggest some common goals based on your personal finance profile.

For example, if someone is permanently living in their overdraft, Plum can suggest setting up an overdraft Pocket so they can harness the power of auto-stashing to pay it off once and for all โšก๏ธ

Combined with our 'Splitter' feature, you can even automatically apportion your deposits between your savings and investments!

52 Week Challenge ๐Ÿ“†

The 52 Week Challenge is based on the idea that tucking money away little-and-often can help you set more aside in the long-term ๐Ÿ“ˆ

The idea is simple. Just deposit ยฃ1 more than you did in the previous weekโ€ฆ and repeat this for a year. Though it may sound easy, this challenge is not for the faint-hearted (hey, we did say it was meant to be a challenge!).

Starting with ยฃ1 in the first week, weโ€™ll put away ยฃ2 in the second, and build up to ยฃ52 in the final week of the challenge. A total of ยฃ1,378 over the course of a year ๐Ÿคฏ It's a huge undertaking to set such a large amount of money aside, but breaking it into manageable chunks means youโ€™re more likely to succeed ๐Ÿ’ช

Increasing deposits in small increments means the difference is less noticeable, so it can help you gradually adjust to the habit over time.

Rainy Days Rule โ˜”๏ธ

Our Rainy Days Rule is another example of Behavioural Science in action!

This rule was developed from the principle that automation is the most effective way to consistently put money away over a long period of timeโ€ฆ even if that process is triggered by a random event (as it is in this case) ๐ŸŽฒ

Once Rainy Days is activated, Plum automatically sets extra cash aside every day it rains where you live. You can customise the rule using settings like โ€˜A Bit Dampโ€™ (which will put away ยฃ1), through to โ€˜Make it Rainโ€™ (which takes ยฃ20).

The rule is based on a forecast for where you live, with the money take as a single lump sum, once per week, for the entire week previously ๐Ÿ’ธ

London saw 109 rainy days last year, which would mean extra deposits of up to ยฃ2,180 on 'Make it rain' setting ๐ŸŒง Now whereโ€™s that brolley?

The benefits of Plum Pro ๐Ÿ˜Ž

These new features form part of our new, subscription only, โ€˜Plum Proโ€™ tier.

Plum Pro is a ยฃ2.99 per month premium tier, which also includes the existing ยฃ1 per month subscription to Plum Plus (our investments platform).

In addition to exclusive deposit rules and Interest Pockets (see sections above), weโ€™ve added an app full of other benefits to our Plum Pro tier ๐Ÿ’ธ

Along with increased personalisation, Plum Pro literally puts money back in your Pockets. Cashback offers exclusive rewards whenever you shop with one of our partner merchants through the Plum app ๐Ÿ“ฒ

Combined with advanced spending analytics like Diagnostics and True Balance, we think these additions represent amazing value for money ๐Ÿค‘

If you'd like to learn more about Plum then you can check out our website.

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