Saving When You Can’t Afford to Save

Let’s face it, saving is hard but necessary. Most people struggle with putting away even the smallest amounts of money and even more people feel like they can’t afford to do so.

I have four children, and while that makes it even more important for us to save, it also makes it feel impossible to save. As fast as money comes in it flies right back out; from bills, unexpected doctor visits, extra curricular activities, and more bills, things add up and it never seems that we have the “extra” to put away.

Saving for things like travel, an emergency reserve, or refurnishing a room seemed like a daugnting task until we discovered Qapital. Qapital, whose tag line is “Save small. Live large” makes it easy for everyday people to achieve financial goals.

Simply put it is an app that works with your bank account(s) to save money for whatever you want/need effortlessly.

It’s so simple and we couldn’t have imagined saving so much in so little time without it. My husband and I have tried other apps and they just didn’t stack up like Qapital does.

First. You set the goal. It could be anything, whether you are saving for something large like a dream trip, a career changing boot-camp, new furniture, or something like paying off a credit card (or two), a haul at Sephora, or a weekend staycation. It doesn’t matter, figure it out and mark it down. You can have multiple goals with heir own rules.

Next, you set the rule that will get your savings going. Rules tell your account how to save. The cool thing about Qapital is there are many different ways you can save. Many people like the 52 week rule, saving $1 on week 1, $2 week 2 and so on. You can have the change from every transaction you make go into savings, to me this rule is the most painless because you hardly notice it. Or set a specific amount to go into savings daily, weekly, or monthly. Any rule you choose it’s simple and automated so you don’t have to think about it. For my fellow freelancers there’s even a rule for you; “set aside 30% for tax day every time you get paid.”

I don’t know if you are obsessed with IFTT like I am but you can connect IFTT to your Qapital app and save by hitting step counts, striking out tasks on a to-do list, spending too much, not going over a set budget or even using a specific hashtag. I haven’t been so bold as to use any of these but if you’re familiar with IFTT, there are tons of recipes to play with and save.

You don’t ever have to worry about your account becoming overdrawn because they will not transfer anything from savings unless you have more than $100 in your account. You’re literally spending and saving at the very same time! Who said you couldn’t have it both ways?!


Bonus! One of my favorite features on the Qapital app is the ability to save with other people. My husband and I are saving up together for our dream trip to Greece and even have separate rules set up that work for each of us independently. While he has a set amount going to savings, I have been rounding up to $2 every time I make a purchase. Ultimately you can be saving each time I pay the light bill, or when I fill up the gas tank, or even grab a latte at Starbucks. How great is that?!

Lastly, save up without the hassle! You won’t believe how easy it is to set up and save your first few dollars. It’s the best feeling ever to open up the app every once and a while and see just how much you’ve saved up. Qapital does a great job of encouraging and celebrating the progress of your goals. Just as easy as it is to get started it’s just as simple to pause or withdraw your funds.

Needless to say Qapital makes it painless to save even when you think you can’t do it. I’ve got 4 goals running as we speak. Have something you should be saving for? Qapital is available for iOS or android; sign up using my referral link for Qapital and make your first deposit and you’ll get $5 toward your goal!

** This is not a sponsored post. These are my own thoughts and opinions. This post does contain affiliate links, which means I may receive a commission if you make a purchase after clicking on a link.

Author: Candise P. Miller

Photographer, multi-disciplinary designer, and mommy. Candise is a New York native currently residing in Washington, DC with her husband, four tiny humans and pup. She is a passionate creative and mom on a mission to live the life of her dreams and inspire others to do the same.