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Saving money can be hard sometimes. You want to have some savings, but there’s never enough money once all the bills are paid and the groceries are bought. Does this sound like you? You’re not alone. In fact, half (49% to be exact) of Americans have no savings at all. But saving money doesn’t have to be hard. kids-saving-money-on-coin-jars

Remember those coin jars that our grandparents had? Did you steal quarters out of it for gum balls like I did? The principal of those coin jars was pretty simple: after you’ve bought something put the spare change aside and, slowly but surely, you’ll save up some money. The only problem is that now days we swipe our debit cards for all our purchases. We don’t come back from the store with loose change. So a coin jar won’t work for us.

Let me introduce you to Quapital. Quapital is an app designed to help you save money. I highly recommend it to anyone interested in starting a savings account. There are many different features in Quapital, and maybe someday I’ll do a full review of the app, but for now I want to highlight just one feature: The Round Up rule.

QuapitalThe Round Up rule works basically the same as a coin jar. Every time you make a purchase with your debit card, Quapital rounds the transaction up to the nearest dollar and saves the difference. So when I spent $35.17 at Red Robin, Quapital took $0.83 out of my checking account and put it into a savings account. And just like that, you’re saving money without even trying.

Last month I saved up $28. At that rate I’ll have over $300 within a year, just by saving spare change. Sure that might not seem like a whole lot, but it’s better than $0. By saving such small amounts at a time you won’t even miss it. And before you know it, you’ll be one of the half of Americans that does have money in their savings account!

You can download the Quapital app and start saving today by using the following link: