Digit is My Savings Homeboy
Author: Michelle
Date: 2015-11-09T10:00:00+00:00

- Skip to main content
- Skip to primary sidebar

## Additional menu

# Digit is My Savings Homeboy!

posted on 9 November, 2015

Pin
Share
Tweet
0 Shares

*Please note: affiliate links are included in this post. If you click on the link I may receive a tiny, tiny amount of compensation.*

Do you struggle with saving money? Do you struggle with the actual mechanics of the process or the mental process of saving? I seem to be struggling with actual mechanics of the process. Of actually committing and getting my savings started. The weird thing is that I’ve saved a large amount of cash before…for a trip to Europe. I worked like a crazy person for 8 months at Marshalls in Boulder, Colorado and saved like a rock star for my first trip to Europe.

## Haven’t Done That Since

Why is saving so freaking hard for so many of us? You would think that saving in general would be a pretty straightforward process. But it isn’t. It’s so easy for me to spend…to save hasn’t been so easy in past years. In fact, if feels like the world is conspiring against us. The minute I walk outside my front I am immediately confronted with spending decisions.

- Should I take the bus or the light rail to downtown? COST: $2.25

- I would like a cup of coffee from the local coffee shop. COST: $1.89

- Should I drive my car…and will I have to pay for gas? COST: I don’t know

Then, I freak out about places that I should avoid in order to not spend. #Target. As I move into another stage of my financial life as a freelancer I am becoming more and more concerned about saving money. I’m not just concerned about saving money on processes-I’ve got that covered. I want to accumulate money, in my bank account again. Especially because I’m self-employed.

Just as passive income has become my Moby Dick, savings has become my Holy Grail. Now that I’ve taken care of a large number of items on my Vision Board list that include the following:

- Focusing on people in my life-Spend time with my Mom, Grandma, and my dear friends.

- Taking care of my health and wellness-Have started training for a 1/2 marathon and am now a vegetarian due to developing an unfortunate distaste for meat. Am bummed about this as the last time this happened I was a vegetarian for 5 years. Oh well, I’ll save money on food.

- Growing my business-This whole year has been about risk. I’ve grown my business more than I thought I could given the 3 month hiccup during the summer when I wasn’t working as hard as I should have. Things are now on a better trajectory and as soon as I return from Chicago I will be picking up the pace. Oddly enough, I’m really looking forward to it!

## What About Savings?

What about it? It hasn’t been happening the way that I would like it to. Let’s be honest, it hasn’t been happening at all. So, I’ve decided to make some moves to grow my savings even if it’s one penny at a time.

Fortunately, I’ve discovered Digit.co a savings app that you connect to your bank account and it takes tiny amounts of money out of your connected account-think loose change, and then deposits that change into an FDIC insured online account.

You can enable the app to alert you as deposits happen, let you know what your balance is, and just keep you in the savings loop. Given the number of times I go out for coffee, buy chocolate, and let small amounts slip through my fingers despite my best intentions I’m in love with the idea of growing my savings a nickel, dime, and quarter at a time.

## How To Get Started?

- Go to Digit.co

- Watch the quick cute video on saving with Digit.co

- Connect one of your bank accounts to Digit.co

- Your money will be deposited into an FDIC insured account

- Digit will communicate with you and let you know how much you’re saving every day or so. You will be told how much your account has in it, the amount you’ve deposited into your Digit account. You can turn off the notifications as well.

- Text Digit to command it to: save more, pause the deposit, or more.

- Invite your friends (shameless affiliate link invite) to save too and earn $5 a referral. It’s a win win!

## Digit.co Rocks!

You may have noticed that I’ve brought up savings a couple of times in the past couple of weeks. I’ve also opened up a Betterment Roth IRA and a secondary investment account via Betterment. Learn more about Betterment and see if it’s a savings tool that will work well for you.

I am no longer interested in just scraping by, It’s not cute anymore. It’s unnecessarily stressful and kind of dumb because I have a pretty good handle on my spending. I love these savings tools as they are pretty painless. I’m seriously thinking about disabling my Digit settings and letting my my savings grow and then checking my account in September during FinCon16 to see how much I’ve saved. In fact, that seems like a fun project. Digit.co is my savings homeboy!

If you’re struggling with saving money seriously look into these savings options. I’m a very excited about them, they are super painless, and every little bit helps. Remember, I’m the girl who loves to pick up change! I hope this works for you too!

## Do You Struggle With Saving Money?

## Have You Used A Savings App Before?

The following two tabs change content below.

- Bio
- Latest Posts

#### Michelle

I am an obsessive foodie, but not self-righteous with it, love travel, meeting new people, helping you look good, and am freaked out by people who don't enjoying reading...something! Grab a Perrier, read my blog, feel free to drop me a line! Hope to hear from you soon.

#### Latest posts by Michelle (see all)

- Financial Boycotts When Black - 23 June, 2026
- Your American Money in 2026 - 17 June, 2026
- How to Design a Boycott Strategy That Works for YOU - 6 February, 2025

### Share this:

- Share on Facebook (Opens in new window) Facebook
- Share on X (Opens in new window) X

Pin
Share
Tweet
0 Shares

## Reader Interactions

### Comments

1. Kate Dore says

   9 November, 2015 at 6:06 am

   Nice, Michelle. I keep hearing amazing things about Digit. Maybe it’s time I jumped on the bandwagon 🙂

   Reply

   - Michelle says

     9 November, 2015 at 8:28 am

     I’m liking it so far because it is super, super painless. I’m not noticing the withdrawals at all. I’m trying to save in every way that is possible.

     Reply

2. Tonya @ Budget and the Beach says

   9 November, 2015 at 10:57 am

   I’ve considered something like this but I have a few more things I need to organize before I make that happen. I love all these cool little tools though to help you save just a few bucks here and there. Good luck and hope you save a lot!

   Reply

   - Michelle says

     9 November, 2015 at 1:49 pm

     It is awesome. Because it’s taking teeny tiny amounts like .22 cents, .07 cents and adding it to my account. I do think that I will take off the notifications to se how much I can save.

     Reply

3. Jason @ TheButlerJournal.com says

   11 November, 2015 at 2:30 pm

   I’ve heard so much about Digit the last few months. I still need to read up on it a little more before I decide to sign up or not.

   Reply

   - Michelle says

     11 November, 2015 at 2:38 pm

     Am loving it so far! Saving teeny, tiny amounts of money one week at a time.

     Reply

### Trackbacks

1. […] read my post about using the automated savings app Digit. The post is called “Digit is My Savings Homeboy.” I hope it encourages you to set up a painless savings account like I did. No matter how small your […]

   Reply

2. […] kicking it up in 2016. Check out how I’ve started saving as a self-employed person here, am saving change automatically, and have gotten free clothes through community. Start saving money so that you can […]

   Reply

3. […] I will let that client know to cancel the check and add that pay to an upcoming check. I also use Digit.com to save money a little bit at a […]

   Reply

4. […] Inspire people to save towards their D.O.N.E. Moment via a So Done! savings account via Betterment or Digit. Open a Betterment account now!* or check out Digit. […]

   Reply

5. […] Digit is the way that I’m tricking myself to save more! It is an awesome savings app. Read my post about it HERE. […]

   Reply

### Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Comment *

Name *

Email *

Website

Current ye@r *
Leave this field empty
This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish.Accept Read More
Privacy & Cookies Policy

#### Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.