Okay so maybe it’s not a super secret way to save, but it certainly IS easy! We have already established that I am really lazy when it comes to do anything that requires thought these days (we established that HERE). Long story short, I think…a lot and because of that, I really, really, really like anything that makes my life easier and makes my brain have to think less. That’s why I love my #1 super secret, incredibly simple way to save! I don’t have to think!
Saving money is one of those things that you’re either a pro at or you will struggle with until you get it down pat. Anything that helps you with your savings journey, no matter what your money saving skill level is, is awesome in my book and this one? I think is way better than awesome. I’m totally in love with it!
Are you ready for my super secret, incredibly simple way to save?
Have you ever heard of Digit? If not, don’t feel bad because up until a few weeks ago, I hadn’t either. Once I met “him” though, I was so grateful! I start each month with this huge intention to put money into my savings account and at the end of the month, I look back and wonder where my savings went because most months? It certainly doesn’t go into my savings account like I planned. Digit has dealt with that problem for me!
I know, I know. Get to it, right? What is Digit?!
Digit is an automatic savings program that works with your checking account. Every few days (2-3) he goes in, analyzes your spending and then pulls a random amount out of your checking and into your Digit account to save. Now, I know at this point you’re going, “wait…he takes my money?! What if I don’t have any in there?!”
Yes, he withdraws money, BUT he keeps it safe and sound right in your Digit account. You can go in and withdraw it at ANY time! It does take a day or two to get put back into your account because of transfer times, but your money IS safe and IS insured by the FDIC up to $250,000! It’s no different than your bank! You just shoot Digit a text message and he will start the transfer for you! Bam! Easy, peasy!
The answer to the second part of that question is the BEAUTIFUL part of your relationship with Digit. Digit has a NO OVERDRAFT Guarantee!! I can vouch from personal experience that he will NOT touch your account if there isn’t enough! (I actually took my account down to zero dollars for ten days to double check this). We’ve been using Digit for about 6 weeks (including the 10 days I had my account at zero dollars to test) now and have saved around $100 already! We haven’t even missed it because the amounts are easy to handle!
Digit currently has a waiting list, but lucky for you, I have a link that will let you skip the wait list! Yay for skipping wait lists!
Here’s how to get started:
- Head over HERE to skip the waiting list
- Enter your cell phone number and confirm it via the text they send you
- Wait for the welcome text then connect your bank account
Digit will do his thing and analyze your spending. Your first savings deposit will come out in 2-3 days!
Make SURE you sign up with THIS link to skip the waiting list!
Now there are a couple more things you should know about Digit:
How does Digit work?
Every few days, Digit checks your spending patterns and moves a few dollars from your checking account to your Digit account, if you can afford it. Easily withdraw your money any time, quickly and with no fees.
What makes Digit different than a recurring bank savings transfer?
Digit automatically figures out when and how much is safe to save based on your lifestyle. Digit doesn’t require you to figure out an arbitrary amount to transfer every month.
Is Digit safe?
Yes. Digit uses state-of-the-art security measures. Your personal information is anonymized, encrypted and securely stored. All funds held within Digit are FDIC insured up to a balance of $250,000.
Does Digit cost anything?
Digit is completely free. You will see “Hello Digit Inc” transactions in your checking account but these transactions are just transfers to and from Digit.
What is the Digit no-overdraft guarantee?
We believe so strongly in our math and the ability to safely identify money you don’t need that if we overdraft your account we’ll pay the fee.
Where is Digit currently available?
At this time, we support over 2,500 banks and credit unions within the United States.
Do I need a savings account?
No. When you signup you get your own Digit account which will hold any savings until withdrawn. Any funds held in your account are FDIC insured up to a balance of $250,000.
How do I access my Digit savings?
You can withdraw your savings 24/7/365 and as many times as you want per month. Just text Digit ‘Withdraw’ if you’d like to move money from Digit to your checking account.
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