WITH fall here, it’s a great time to start saving for a rainy day.

By taking baby steps now, you’ll soon be able to build up a cute little kitten in an emergency – or to treat yourself to a luxury treat in the future. Follow these steps and start saving money now. . .

It’s time to start saving for a rainy dayCredit: Getty

PAY DAY, CLEAR: Set up a payday direct deposit to send a fixed amount of money to a savings account. The money will come out of your checking account before you even know it’s there. If you’re a Sun Saver (and you should be!), Don’t forget to keep entering the code at the bottom of the page to be one of the 250 winners of £ 100 each month.

FIND YOUR LIMITS: Keep track of your spending habits and figure out where you can cut costs. Maybe skip the daily coffee or walk instead of taking the bus and having one less drink in the evening. These small limits can help you reduce your monthly expenses and leave a little more in the chat. You can also put change in a jar to increase your savings.

BOOST IT: Loyalty programs can help you earn points and offers while you shop. Tesco Clubcard vouchers will save you money on a department store in the future, maybe for Christmas. And speaking of Christmas, Wilko is currently making two Quality Street jars for £ 7. Take them now for the holiday season.

TRANSPORT OR NOTHING: If you need to buy gifts for birthdays, special occasions, or even Christmas, make a list of all the people you need to cover and set a budget. That way, you’ll be more than ready for Black Friday and December sales.

You can also start stocking up on these little extras. For example, the next time you buy something from a beauty counter, ask for free samples – they make fantastic stocking fillers. You can also start adding certain foods and drinks (look for deals and discounted items to clear) to your weekly shop and put them away or freeze them for the holiday season.

  • Prices correct at time of going to press. Offers and offers subject to availability.

The business of the day

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Grab a bottle of Whitley Neill rhubarb ginger gin for £ 20 with a Tesco Clubcard and save £ 6

It’s gin time. Get a 70cl bottle of Whitley Neill Rhubarb Ginger Gin for £ 20 with a Tesco Clubcard, normally £ 26.

SAVE: £ 6

Inexpensive treat

Treat yourself to ten tubs of Muller Corner Vanilla Yogurt with Chocolate Balls for £ 2 less at Asda

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Treat yourself to ten tubs of Muller Corner Vanilla Yogurt with Chocolate Balls for £ 2 less at Asda

GET ten jars of Muller Corner Vanilla Yogurt with Chocolate Balls for £ 3.50 at Asda. Usually 55p each, ten would normally cost you £ 5.50.

SAVE: £ 2

What’s new

As schools return for the new year, Heinz is releasing a limited edition Beanz box to support the fight against child hunger.

One meal will be donated by the Magic Breakfast charity for every can purchased, raising three million meals for hungry children. Yours, Heinz! Put one in your shopping cart the next time you shop.

Best exchange

Why spend £ 28 on that drinks cart from George to Asda ...

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Why spend £ 28 on that drinks cart from George to Asda …
... when you can get a similar version for just £ 19.99 at Home Bargains

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… When you can get a similar version for just £ 19.99 at Home Bargains

SHOW your gin collection with a new drinks cart from George at Asda for £ 28. Or go to Home Bargains where this equally chic version costs just £ 19.99.

SAVE: £ 8.01

Giselle’s little assistant

HISENSE is offering up to £ 150 cashback on a selection of refrigerators, washing machines, ovens, hobs and dishwashers purchased before October 19.

Buyers can also choose to redeem their cashback for up to £ 200 in Gusto rewards. Offer available from retailers including ao.com, Argos, Currys, and Amazon.

Buy and save

Save £ 25.99 on a pair of Adidas Predator Freak .3 Kids Slip-on FG Football Boots at sportsdirect.com

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Save £ 25.99 on a pair of Adidas Predator Freak .3 Kids Slip-on FG Football Boots at sportsdirect.com

Kick off the new season with a pair of the Adidas Predator Freak .3 Slip-on Kids FG Football Boots, RRP £ 59.99, now £ 34 on sportsdirect.com.

SAVE: £ 25.99

Hot right now

PLANNING a walking vacation? TK Maxx has just received a bunch of new hiking shoes, starting at £ 24.99.

Play now to win £ 100 on The Sun Raffle

Take small steps now and start saving for rainy days with our top tips

JOIN the thousands of readers attending The Sun Raffle.

Every month we’re giving away £ 100 to 250 lucky readers – whether you’re saving up or just need a little extra cash, The Sun could have you covered.

Each Sun Savers code entered is equivalent to a raffle ticket. The more codes you enter, the more tickets you will win and the more chances you have of winning!

To participate, go to sunsavers.co.uk or open the Sun Savers app.

With Sun Savers, we give you the best tips, deals and tips to save money every day.

JOIN: Don’t worry, folks, it only takes 30 seconds to join, in three easy steps.

We saved £ 129,000 in just 17 months after taking on £ 458,000 in debt – got rid of the furniture, cut back on meals and got VERY frugal

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