Whit Tips

Whit Tips: Money Saving Apps You Need

12/16/2016 Unknown 4 Comments

Here at Get Whit It, I want to share tips to help you better yourself and your life, from personal style, making great travel decisions, general recommendations and saving up for them. It's the end of the year, which is commonly a time when money can get tight if you have to spend money on gifts or other expenses. With all the wish lists and dream trips I want to go on, I need to save up for them! I'm constantly looking for ways to save or make my money stretch and am always learning new tips along the way. I wanted to start by sharing a few of my favorite useful apps that have been working not only to help me save short term, but prep for an incredible future!

Saving and investing is something I got more serious about this year. I already have a checking and savings account, but I wanted to start doing some additional saving. I found two apps that have really been a great help for that.


First is Acorns, a micro-investing app that invests your spare change. I love the round-up feature, which easily builds up when you make purchases using the card you have connected to your account. Acorns rounds-up your purchases to the nearest dollar. Depending on your spending habits, you could easily save up an extra $100 in a few months or less. Also I love that it saves it on the app so it's kind of out of sight and out of mind. With less temptation to spend that extra money, you could save a nice chunk of change. There are other options to save as well. Get all the details here.

Acorns is very secure and does the investing for you. You choose a portfolio and then every dollar you invest is automatically diversified across 7,000 stocks and bonds to help improve your return while reducing risk. You also have the option to withdraw that money back into your bank account whenever you want. It takes 5-10 business days to transfer, so keep that in mind. With Acorns there is a monthly $1 fee but it is hardly noticeable when your savings are constantly building and investments regularly add to it. I only tend to see investments fluctuate between a few cents more or less daily, but your portfolio choice will influence that.

If you want to give it a try, I highly recommend. Start investing with Acorns today! Get $5 when you use my invite code: https://acorns.com/invite/2WNWYY


Next up is Qapital, an everyday banking app which has the ability to save in multiple ways. What I love about this one is that you set financial goals and choose the rules for saving. Then all you have to do is sit back and watch the money grow. You can do round-ups (similar to Acorns), add money manually or do the 52 Week Rule, amongst other options. With this secure app, all you need is a checking account to get started!

I have the 52 Week Rule set up for a birthday savings goal. It starts week 1 saving $1, week 2 saving $2 and so on all the way up to 52 weeks. You keep adding a dollar each week so that during the last week, you’re putting away $52. You can also start in reverse, if you like, saving $52 on week 1 and then $51, $50, $49 and so on. In the end you will have $1,378 saved after the 52 weeks are complete, which is a great way to watch your money stack up!

Your goals can be for whatever is important to you: maybe you are trying to save up for a bucket list trip, item, or class. Don't worry about being short on cash - you decide what triggers savings and can pause your rules at any time. Qapital has no fees and you can withdraw your savings whenever. Simply link your bank account.

If you are ready to try Qapital, use my referral link to get $5 for your first goal after your first deposit. Simple :) Get Qapital here.

These two apps are what I use right now and have been life savers. Let me know if you are trying any of these or if you know of other good apps in the comments!

Images via Acorns and Qapital. 

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  1. I'm going to look up the Qapital app. I'm going to do the 5k savings challenge this year

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