The SmartyPig Blog

How Are You Using Your SmartyPig?

Same of users “favorite” goals right now:

I’m saving for a Harley- Davidson. I’m about 62% there and will be 100% this spring. – David

Summer Camp. I know we have barely said goodbye to summer and now I am planning for next year. But sports camps and academic camps are really expensive. So I start as soon as school begins. And I am ready for the early registration dates….that sometimes have discounts! – Sharon

I have several goals I am excited about:
Azores in 3 weeks.
Banff in 3 months.
Quick 4 day cruise in April.
Catamaran Charter in May.
Seneca Lake rental this summer.
Thanksgiving in the Caribbean – Iramis

Vacation 2015 – Marie

Save on Holiday Spending

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“…if you’re stressing about how to afford gifts for everyone on your list, you’re probably going about your holiday shopping the wrong way.” Says Ms. Butler, author of a recent Washington Post article. Holiday shopping shouldn’t be painful, and if you follow their seven easy steps, you won’t feel a thing.

First? Set a budget and stick to it. $5 extra dollars per person really adds up. Be strict with your numbers. Next, save. The Post recommends SmartyPig as the best tool for this type of speciality saving. When it comes time to give, regift (yes, gasp!) and do-it-yourself and look for deals to save yourself money.

Wishing you successful saving.

Sarah Foss, SmartyPig’s Media Mad Woman, SFoss@SmartyPig.com

Beat Holiday Bills

The most “wonderful time of the year” is also the most expensive. But it’s not impossible to finish the year free of debt, it just requires some planning. Savvy Sugar tosses 5 simple tips our way to help keep shoppers out of the red this year. First and foremost: get competitive. And with one of the most competitive interest rates around, switching your savings to SmartyPig will put your money to work for you like nowhere else. To spend money, you must have money. Simple, right?

With that important step out of the way, make time to create a shopping list and prepare to shop around. Not in the store of course, because that’s too tempting, but online. THEN when it’s time to buy, hit the shops, get the deals and win big. Lastly, as Savvy suggests and we strongly agree: Don’t. Stop. Saving. Keep your automatic deductions active, “the money will be out of sight and unavailable when you’re out shopping with your debit card, and you’ll feel better about spending money on gifts for others knowing that you’ve already taken care of yourself.”

Keep your spirit up these holidays by keeping your savings safe and your credit card bill blank with the help of SmartyPig. Here’s to no post-holiday bill hangover!

Wishing you successful saving.

Sarah Foss, SmartyPig’s Media Mad Woman

His, Mine, and Ours

There comes a time in all relationships where you must have “the talk.” It’s the finance talk, and as relationships evolve many couples opt to meld finances and take the leap to joint accounts. There’s no right or wrong way to do this, but there are many options. Stacy Rapacon from Kiplinger runs through this debate in a post highlighting several options for those considering financial co-mingling.

One joint account, separate credit cards or separate checking accounts and one shared credit card, or even the option to use “allowances” to help money manage. The options are endless, really. In my marriage we choose to share accounts, it keeps things simple and makes management easy. We do however save for personal goals separately. And we do that with SmartyPig. I have no interest in another TV. My husband does. So he keeps his goals for travel with his buddies and a new TV separate from mine. Likewise, my saving for another new road bike is of no appeal to him. We both donate about the same amount each month to our goals and then if we don’t spend all of our “fun money,” we each have the option to contribute that, as well. It works for us because we share our finances; yet reach our personal goals separately by saving more (and usually sacrificing more.)

It’s not a one-conversation concept, but when it comes down to saving, either separately or together, SmartyPig is the place to do it. Easy withdrawal options, competitive interest, and thousands of cash back opportunities make it THE place to grow your money.

Wishing you successful saving.

Sarah Foss, SmartyPig’s Media Mad Woman 
SFoss@SmartyPig.com

 

 

How Are You Using Your SmartyPig?

I started SmartyPig with the intent of saving for a vacation. When I realized how easy it was to categorize my needs (I’m type A) I started saving for everything…insurance, gifts, home improvements. Each goal is like a check off my master to do list. Love that feeling! – Marc

I’m saving for my daughter’s first trip to the American Doll store. It’s not a huge goal, but those dolls aren’t cheap, and I hope to make all of her dreams come true when the trip finally happens! – Pam

I love SmartyPig! – Bryan

Sometimes I forget I even have SmartyPig. Then I get my monthly statement, and I’m all, wow! I have a lot of money I am forgetting about. Pretty nice! – Luke

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