In order to pay my student loans AND buy every new Primally Pure product as soon as it comes out, I have (reluctantly) had to adopt some sort of money-saving habits. It’s honestly such a drag because I would really rather pretend the responsibility of money-saving didn’t exist, but if I HAVE to do it – I’m going to do it my way!
I have downloaded lots of apps and I mean lots of them, and I never really liked them. They were either too complicated to set up or they didn’t show me decent savings as quickly as I wanted them. If you’re like me, the second you download the app you’re like “wow, look at me go!” and then three weeks later, when you’ve only saved $0.74, you’re like “ok this is dumb” and you forget why you cared in the first place. Sound familiar?
Well, I have found an app that has completely and totally changed my mind about saving, and I am very confident it will change your mind too. It is called Qapital, and as it claims, is an app that helps to fund your future while taking care of your now.
Let me tell you, I am obsessed with this app. Not only do I open it multiple times a day, I get SO excited to see continuous movement in my savings without even noticing a difference in my bank account.
Here’s how it works:
You are prompted to “Create Goals” whether that be to do something, go somewhere, get something, pay off debts, or “just start saving.” After that, you set a goal amount and add rules to assign to your goals. For example, I have a rule associated with one of my goals to deposit 4% of my paycheck each time I get paid. I also have a “guilty pleasure” rule to deposit $5 every time I go to Starbucks as well as round up every purchase I make $2.00. There are eight different ways that Qapital allows you to customize your rules for savings to match to your spending habits and lifestyle.
You are also given the ability to transfer money from your accounts manually into your goals or out of them back into your bank accounts at any point in time, so your money can always be right where you want it.
During Christmas time, I had a specific goal just to save for gift buying as well as a general savings goal that was separate. It was SO nice to have extra money set aside that I wouldn’t have saved otherwise, and I was able to customize the photo for the goal to motivate me even more.
This app has changed the way I look at savings, truly. It’s unbelievable how much easier and less daunting I think saving is now, and I am so glad to be making big steps toward my goals so easily.
To help you get started on your goals, you can use my link to get $5 (sometimes it’s $20!) once you make your first deposit!
Now go get those goals, honey!
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