Britons have been dipping into their savings pots as a way of funding their escape to sunnier climes, new research has revealed.
One in three people surveyed by Birmingham Midshires confessed to raiding their savings over the summer months, with one in five admitting to using the money for a holiday or weekend break.
The average raiding amount has increased to £2,130 from £1,870, just short of the all time raiding high in July 2009 of £2,191.
However, the research found that people had actually been saving more, with an average of £848 being put away, compared with £764 during the previous quarter.
Although escaping the bad weather might be tempting, you never really know whether a downpour might be waiting for you at your destination.
While we're used to altering plans at short notice to accommodate the weather, many of us are less prepared for a financial storm that might break at any time.
Putting money aside for a 'rainy day' makes sense in so many ways.
Do you get prior warning that the car is about to break down? Does anyone tell you that the roof will start to leak? Why has the washing machine suddenly stopped working?
If you've got no savings, then paying for such everyday problems has to come out of the money that you might rely on to live.
If you're in a position to put even just a little aside each month, it's almost certain you'll be grateful for your foresight at some point in the future.
With interest rates remaining at record lows, it's essential to find a savings account in which your money is working the hardest that it can for you.
Short term savings accounts are ideal for rainy day saving, as the money will be easy to lay your hands on at precisely the time you need it most.
A savings account such as NatWest's e-Savings currently pays 2.89% and lets you withdraw your money whenever you need it.
Alternatively, it is worth considering that higher rates of interest are available if you're willing and able to put your money away for a certain length of time.
Such savings accounts might not be ideal if you want instant access to your money, but they will help you to build up a bigger savings pot in a faster amount of time.
Barnsley Building Society's One Year Fixed Rate Bond, for instance, pays 3.05% if you're able to leave your money untouched for 12 months.
If you can live without your money for a little longer, Chelsea Building Society's Fixed Rate e-ISA account will pay 3.25% for investing your money for a two year term.
So before you tap into your savings to fund that trip abroad to escape the doom and gloom, take a moment to think whether your money might be better left in the bank for a really rainy day.
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