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The start of 2026 has been exceptionally wet. Cornwall and County Down recorded their wettest January on record, while Northern Ireland experienced its rainiest January in 149 years, according to the Met Office, with rainfall continuing in February. Surprisingly, however, all this wet weather could actually help you grow your savings.

The Plum app's Rainy Days Rule lets users save money whenever rain is forecast in their area. You can choose to save £1, £2, £5, £10, or £20 each rainy day. On average, people using the feature save around £88 a month which totals £1,056 over a year, The Times reported.

Plum is a smart savings app that analyses your spending to determine how much you can safely put aside each month, and the best possible place for this money to go and grow. It will also suggest helpful ways to make the most of any leftover money you may have.

To set up the Rainy Days rule in the Plum app, open the app, go to the "Brain" section and select "Rainy Days." You can toggle it on and choose to save between £1 and £20 for each day rain is forecast.

The money will then automatically be set aside every time rain is forecast in the area you have registered in your account.

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If you had set the feature to save £20 per rainy day from January 1, you could already have £800 tucked away. The rule is calculated based on the rainy days from the previous week, not the current one.

The service Plum uses relies on weather forecasts and not the actual weather, so it may not be 100% accurate.

This feature is only available on Plum's paid subscription plans. To use the Rainy Days Rule, you'll need a Plum Plus, Boost, or Max account. The Plus plan costs £3.99 a month, Boost is £7.99, and Max is £14.99 per month.

Plum was founded in 2014 by two friends, Victor and Alex, who wanted to make managing money easier using technology.

Based in London, with offices in Athens and Nicosia, the company offers tools for saving, investing, and budgeting, powered by automated algorithms that remove much of the manual work from personal finance.

Today, Plum serves millions of users, helping them set money aside, grow their savings, and invest.