SAVE OR SLAVE? ITS UP TO YOU!

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Help Log In Sign Up. Save money, without thinking about it. Digit analyzes your spending and automatically saves the perfect amount every day, so you don't have to think about it. Sign Up Now.

It's time to act.

Goals you can actually achieve. Digit does the hard work. Don't just take our word for it. Talk about bang for your buck. Automated Saving Digit knows when it's ok to save. Unlimited Goals Digit manages all your savings goals. Unlimited Withdraws Get your money when you want it.

Low Balance Protection Automatic transfers to your checking.

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No Account Minimums Leave as little as you want in Digit. Overdraft Reimbursement The fee is on us if Digit saves too much. Learn more about the envelope budget system here. Don't just save money, save. Learn more about what you should be saving for here. Save automatically. Every pay period, have your employer deduct a certain amount from your paycheck and transfer it to a retirement or savings account.

Ask your HR representative for more details about how to set this up. Or every month, have your bank or credit union transfer a fixed amount from your checking account to a savings or investment account. Learn more about automatic savings here. Aim for short-term savings goals. People save more successfully when they keep short-term goals in sight. Start saving for your retirement as early as possible. Few people get rich through their wages alone. It's the miracle of compound interest, or earning interest on your interest over many years, that builds wealth.

Because time is on their side, the youngest workers are in the best position to save for retirement. Learn more about different options for saving for retirement in your workplace or on your own here.

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Take full advantage of employer matches to your retirement plan. Often as an incentive, employers will match a certain amount of what you save in a retirement plan such as a k. If you don't take full advantage of this match, you're leaving money on the table. Save your windfalls and tax refunds. Every time you receive a windfall, such a work bonus, inheritance, contest winnings, or tax refund, put a portion into your savings account. Make a savings plan. Those with a savings plan are twice as likely to save successfully.

That's where America Saves comes in. If you take the America Saves Pledge, we'll help you set a goal and make a plan. America Saves will keep you motivated with information, advice, tips, and reminders to help you reach your savings goal. Think of us as your own personal support system. Take the America Saves Pledge here.

Save your loose change. Use the 24 hour rule. Think over each nonessential purchase for at least 24 hours. This is particularly easy to do while shopping online, because you can add items to your cart or wish list and come back to them a day later. Treat yourself, but use it as an opportunity to save. Match the cost of your nonessential indulgences in savings. So, for example, if you splurge on a smoothie while out running errands, put the same amount into your savings account.

And think of it this way, if you can't afford to save the matching amount, you can't afford the treat either.

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Calculate purchases by hours worked instead of cost. Take the amount of the item you're considering purchasing and divide it by your hourly wage. By law, each email is required to have an unsubscribe link, usually at the bottom of the email.


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Remind yourself to think through every purchase by covering your card with a savings message, such as "Do I really need this? If your income is low, you may be eligible to participate in an IDA program where your savings are matched. Find an IDA program near you. Pay off credit cards in full each month. The miles and cash-back are only valuable if you're not falling into debt or paying interest.


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Learn more about debt and credit here. Use only the ATMs of your bank or credit union. Check your credit report for free once a year. Use your annual free credit report from the three credit reporting bureaus to look for inaccuracies or opportunities to raise your score. Learn more about your credit score here. Pay all of your bills on auto-pay. This ensures they are paid on time, in full to avoid late charges. As a bonus, some loan providers offer a small interest rate deduction if you enroll in auto-pay. Get free debt counseling. Best of all, the minute counseling sessions are free of charge and come with no obligations.

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Get started here. Freeze your credit, literally. If you are having trouble controlling your credit card use, but don't want to cut up your credit card in case you need it at some point, freeze your credit card in a bag of water. Take advantage of your library. More and more libraries are offering e-books, so you don't even need to visit in person. Many libraries are also part of an intra-library loan system where you can borrow anything you want, but that they don't have, for a minimal shipping charge. Just ask. And some libraries allow you to borrow things like tools and sewing machines.

Get unadvertised theater ticket discounts. Call, email, or tweet your nearby theater to ask about discount options that are often not well-advertised. Many theaters offer discounted seats for seniors, students, and young adults, such as pay-your-age or pay-what-you-can programs. Or they'll offer rush discounts of any unsold seats immediately before a show.

Volunteer at local festivals.

Cultural festivals and events often offer free admission to event volunteers. Contact the organizers of your favorite event to ask about volunteer opportunities and benefits. Create a family spending limit on gifts. These limits tend to reduce expenditures and be greatly appreciated by family members with less financial flexibility. Plan gift-giving well in advance. That will give you time to decide on the most thoughtful gifts, which usually are not the most expensive ones. And if these gifts are products that must be purchased, you will have the opportunity to look for sales.

Start saving for college at the baby shower. It's never too soon to start a college savings account for junior. Don't buy cheap clothes for cheap's sake. It sometimes make sense to prioritize quality over price when purchasing clothes for the family. An inexpensive shirt or coat is a poor bargain for older family members if it wears out in less than a year, but could make sense for quickly growing children. Consider fabric, stitching, washability, and other quality related factors in your selection of clothes. Organize a neighborhood swap meet. Each ticket entitles you to one item from the swap meet.

If you contribute six books, you can leave with up to six new-to-you books. If you contribute seven items of clothing, you can leave with up to seven new-to-you items of clothing.

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