This smart chatbot is helping some people to save an extra £2,100 a year - here’s how it works

We all know we should be saving and putting money aside for our future, like for a house deposit or our retirement.

That's the easy part.

The hard part is knowing how much to put aside, keeping track of your spending, figuring out your budget and remembering to actually do all the above every day/week/month/year...

Luckily, there’s an easy way to put money aside automatically based on your income and spending: Plum. Plum is a chatbot living in Facebook Messenger and is saving over £6 million a month for its users.

Plum is recommended by Financial Times, BBC, and Money Saving Expert and has over 400,000 users in the UK.

Here's how it works:

1) You link Plum to your bank account so it can analyse your spending patterns and income. Using this, Plum calculates how much you can save without impacting your lifestyle.

2) Plum then puts small amounts aside automatically every few days which quickly add up to a nice stash. It is clever enough to never take you into your overdraft and can actually help you save to get out of your overdraft if you want it to - just type 'overdraft'.

3) Even though it is automatic, you can still adjust how much you want to save or if needed, you can pause for a period of time.  

4) Plum will whir away in the background automatically moving money into your savings.

And reap the rewards down the line!

Try it now here - it's free.