The Apps That Help You Save Before You Have To Save

One of the joys of adulting is the sad realization that you have to pay for things.

Not just everyday things, mind you.

But everything. Your snacks. Your clothes. That roof that keeps your snacks and clothes dry.

That all comes down to you.

And it wouldn’t be so bad if we were just having to pay for things now. 

But, it turns out, we’re going to have to keep paying for things for a long time. Possibly even after we’ve stopped working.

So that relief you feel when the direct deposit hits and you get to go on a snack shopping spree?

You’re going to have to figure that out.

The good news is that a lot of us older folks (aka millennials) are getting the hang of savings. An impressive 59% have at least $15,000 in savings, it turns out.

Still, the other 41%? They’re coming up short. And for anyone younger, that $15,000 goal might still seem pie in the sky.

So let’s take a look today at a few easy ways to increase our savings without having to do all that much more work.

After all, we’ve got snacking to get back to.

The Automatic Saving Apps That’ll Save Your Bank Account

• Acorns - One of the better known savings and investment apps, Acorns lets you invest by rounding-up the spare change from your credit card or debit card transactions, buying smart portfolios, and saving for retirement.
  
  
• Grifin - Want to use that same change to invest in stocks you’ve heard of? The app Grifin lets you “stock where you shop.” In other words, for every purchase you make, the app auto-invests a $1 from a checking account into that company. The perfect convenient option when you don’t know much about the stock market except your belief in your favorite companies, Grifin does the work for you. Say you grab an iced beverage from your favorite coffee chain. That, in turn, results in you getting $1 worth of a share of that same coffee chain. The same with your favorite streaming account or app store. And if you shop somewhere that isn’t publicly traded, a $1 is deposited into a general fund for you to invest with later on.
  
  
• Digit - More of a pure savings app, Digit is able to analyze your income and spending habits to move more money over from your checking account to your Digit account. In a sense, it saves you from yourself. With their average user saving an additional $2,500 a year, and new investment features, it could be a powerful way to get yourself to your goals.

Adulting certainly isn’t our favorite topic, but modern technology sure makes achieving those once worrisome milestones a lot more pleasant.

What about you? Do you have an adulting money-saving secret?