Saving money is really freaking hard.
Even though Im naturally frugal, Ive never been great at putting aside money for anything other than travel.
As of a year ago, I didnt have an emergency fund, and was barely saving for retirement.
I knew that wasnt smart, so I finally set up automatic contributions to my Roth IRA.
But I still didnt have an emergency fund.
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I signed up 10 months ago, and havent looked back.
Heres how it works.
The Mindless Way I Saved Nearly $2K
So how did I finally start my emergency fund?
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Digit.
Once the money is transferred to your FDIC-insured Digit savings account, it stays there until you need it.
you’re able to transfer money as frequently as you like.
The platform is free for the first 30 days, then $2.99 per month thereafter.
Access Digit onits web platform, or via its iPhone or Android apps.
What Ive Saved With This Automatic Savings App
I joined Digit in May 2015.
By March 2016, I had saved $1,774.88.
Digit calculated it could remove more money and my savings quickly ballooned.
Thats the beauty of Digits system; it constantly adjusts to your cashflow.
If its low, your savings will increase more slowly but every little bit adds up!
Is Digit Right for You?
What works for me wont work for everyone.
So, isDigitright for you?
If you want precise control of your money at all times, no.
Because I use Digit, my checking accounts balance is constantly changing, which is OK with me.
But if you want more control, this might not be the tool for you.
If your checking account balance is frequently near zero, no.
Plus, Digit wont be able to save you much if your balance is really low.
If youre nervous about giving a website access to your bank account, no.
For Digit to work, you’re gonna wanna connect your checking account.
I trust Digit because it uses 128-bit bank-level security.
And it doesnt store your bank login.
Also, funds are FDIC-insured up to $250,000.
If you want to earn interest, no.
This is probably Digits biggest drawback.
Its worth it to not have to consciously save money (because its pretty much impossible for me).
Plus, Digit gives you quarterly Savings Bonuses.
If you want to save money without thinking about it, YES.
I couldnt be happier with my Digit experience so far.
I mean, how could I not be?
I have nearly $2,000 in my account.
My emergency fund still isnt where I want it to be, but its eons better than nothing.
Im going to let it keep growing, and Ill eventually transfer it into an interest-bearing account.
Want to learn more?
Want to give it a try?Click here to get started.
Susan Shain is a freelance writer and digital nomad.
Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.
Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
Ask one of these companies to help…
