The Ultimate Savings Apps for Non-Savers

Building a savings is not only nice to have, it’s a necessity in today’s uncertain economic climate. However, putting aside money for savings can be a challenge for many of us. Whether it’s due to living paycheck-to-paycheck, more expenses than there is a paycheck, or simply not having the discipline to set funds aside, many people have given up on the thought of a savings and are content on simply surviving on what they have. If you find yourself in this category, then this article is for you.The advent of digital commerce has created a plethora of savings opportunities for the undisciplined saver. Here is a list of the top four savings programs that help to enable those that cannot seem to build savings with traditional methods and makes savings completely autonomous.DigitDigit works by analyzing your bank account and expenses. Once it has established a trend, it will make deposits to an FDIC-insured account based on what funds you have remaining after your expenses have been paid, typically between $5 and $35, every couple of days. The automatic savings deposits make Digit great for those that have difficulties in depositing savings themselves. The service is free for the first 100-days but a fee of $2.99 is charged monthly after the free period. Another great feature of Digit is how fast money is deposited back into your bank account once you make a withdraw. In the event of a financial emergency, you can expect your deposit the next business day.

The downside to Digit is that you will have to keep an eye on your checking account since the amount withdrawn can vary week-to-week. If your account is overdrawn because of a withdrawal made by Digit, they will refund the overdraft up to two times. The app lets you set a minimum account balance that will prevent Digit from making withdrawals once your account falls to a specific amount. Another drawback to this app is that you do not earn interest on what you save, the company that runs Digit keeps the interest your funds have earned.QapitalQapital works in the same fashion as Digit but allows for more control. You can establish various “rules” that control your automated savings. An example of one of the rules is that you can tell Qapital to roundup charges to the next dollar amount when you use your credit or debit card and deposit that excess into your FDIC-insured Qapital account. Qapital also lets you make lump sum deposits, great for when you have extra funds available. Other great features of Qapital include additional rules for increasing and controlling your savings and a social feature that lets your friends and family track your progress and to help encourage your savings growth.While there are no fees associated with using Qapital, your savings will not collect interest. As with Digit, Qapital keeps the interest earned on your account as payment for providing you with their services. However, if you are the non-saver that is tech-savvy, this is the app for you.AcornsIf you want an autonomous way to save that will allow for more investment options, take a look at Even though Acorns rounds your purchase to the nearest dollar like Qapital, it is different in that it is actually an investment app and not simply a savings platform. The money Acorn saves for you is placed into an investment platform and unlike Qapital and Digit, you keep the returns you make on the investments. The cost to use this app is only $1 per month as long as your account balance remains below $5,000. Once you have over $5,000 in your Acorn account, Acorn takes ¼ of a percent of your account balance. An additional bonus to using Acorns is that if you make a purchase from one of their partner companies, such as Blue Apron and Hulu, the company will give a percentage of your purchase back to your Acorns account.The downside to Acorns is that your account balance may go down since this is an investment platform and dips in the market where your money has been allocated will cause a decline. Also, withdrawing money from your account isn’t exactly fast. When you request for electronic funds transfer your invested shares have to be sold to cover the withdraw. However, if you’re serious about saving and investing but lack the discipline to do so, you might want to give Acorns a once over.

StashThe final app we are going to cover, Stash, is another investment platform for the non-saver that really wants to build savings. Stash will “stash” your money into investments that will help you to achieve your desired goals. One of the best things about this app is that you can start with only $5 and they will match your initial $5 deposit. They also make investing super easy to understand so you don’t have to worry about a large amount of invest lingo that can be very confusing to the new investor.The fee for using Stash is pretty much the same as the fees you see with Acorns. Your first month is free but after that, you will have to pay $1 a month until your account balance reaches $5,000. At that point, your fee will be ¼ of a percent of your account balance. Besides the service fee, you will not have to pay any management fees or any other fees you would find on traditional investing sites.There you have it, four apps that can help even the non-saver build savings for future needs. So long as you let it grow and don’t touch it, you should have no problems breaking the trend of not having a savings account, like nearly 50 percent of the adult American population. Good luck and feel free to leave any feedback.

Compare Discount Dental Plans to Traditional Insurance

Most of us are raised believing we must have some form of insurance in place at all times. Often, medical insurance is a necessity, because it can cover a large majority of illnesses that one may encounter. However, dental insurance is not always as readily offered by employers, which can lead to unwanted out of pocket costs when emergencies arise. However, there are other options at hand that can help save you money for less.Nowadays, there are options available to individuals who may not have dental insurance or who may need additional savings on top of the insurance they have in place. These discount dental programs are offered by a variety of companies and are becoming widely accepted across the United States. These programs are very similar to traditional insurance, but have some key differences that can make them beneficial to their members.Before discussing these benefits, understanding how these programs work is key. You will pay a small fee each month for your discounts. This fee will vary depending on the type of plan you apply for, whether it be individual, family, senior, or group. Obviously, a family plan will be slightly more expensive than an individual pan but can be very beneficial if you have several members of your family who can benefit from these discounts.

Once you sign up for this style program, you will be eligible to begin receiving your benefits. This will be up to half off or even more on your next dentist visit. This will cover a variety of dentistry needs, including extensive procedures and even cosmetic work. The amount you can save will vary from dentist to dentist but is usually quite substantial.Now that you know more about these discount plans, you should learn more about their many benefits. First, you will begin receiving your discounts immediately once you sign up. This means you can go to the dentist the next day and receive a discount on your care. You will never have to wait to begin receiving your important work.Of course, the cost of these plans is extremely important and will vary slightly by company. However, you will pay much less on average than you will for traditional insurance coverage. Also, you will never have to pay deductibles and worry about annual maximums like you do with insurance. In fact, there are no limits on the amount of times you can visit your dentist or the number of times you use your discounts.Another great benefit is that no one is denied coverage. This means that your age or oral health will never be a factor in your acceptance like with insurance. Also, with insurance, cosmetic procedures such as braces will not be covered. With a discount plan, any procedure or work is covered, whether this be medically necessary or completely cosmetic.

A final huge benefit is that you can change your dentist at any time, without the hassle of paperwork. As long as the dentist you are considering accepts the plan you have chosen, you can freely go there. In fact, you will never have to hassle with paperwork. When you arrive for your dentist visits, you simply present your card and pay less.Overall, having proper dental care is extremely important not only to your confidence but your health. If your employer does not offer insurance, or you are not completely happy with your insurance, you should consider a discount dental program. This is a great way to save close to or even more than half on your next dentist visit and the procedures you so badly need. To begin saving on your dentist visits, find a discount company in your neighborhood today.

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