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Save Small...Live Large

September 14, 2017

Hey Shanté, how did you manage to save $1200 in just one year, without even missing it?

 

Well I'm glad you asked! Check this out...

 

 

This time last year, I downloaded an app called Qapital.  It allowed me to set up any bank accounts, debit, and credit cards that I use.  Then, I set specific rules for how I wanted to save.  Rounding to the Nearest $1.00 and the $52.00 Week Rule were the two I chose.  

 

The way the rounding rule works is, if I made a purchase for $2.10...it would round to the nearest $1.00, which would be $3.00, and save $.90 for me. 

 

The 52 week rule is set up to save the dollar amount that coincides with the week, based on when you start.  So, week 1 you'd save, $1...week 2 you'd save $2.00, week 3 you'd save $3.00. I'm currently on week 35.

 

I just recently added the "Set & Forget" rule, which allows you to manually save a specific amount daily, weekly, or monthly.

 

 

They also have rules like:

Guilty Pleasure- If you buy an item you're trying to resist, it "takes money" from you

Spend Less- Set a budgeted dollar amount, and if you spend less than that, it saves the difference for you.  

 

In the past, they've had fun rules like, save $1 every time you post on Instagram, or when the temperature goes above 80 degrees you save a specific amount.

To be honest, I never remember that I have money in my
Qapital account unless someone mentions it...then I check, and am always shocked how much I've managed to save!


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