Round Up Purchases to Save Automatically

The Problem

Saving feels like a big sacrifice. You never have a lump sum to move to savings.

The Hack

Use Acorns, Chime, or your bank's round-up feature. Every $3.50 coffee rounds to $4.00 and the $0.50 goes to savings automatically. Averages $30-50/month.

Why It Works

Micro-savings are painless individually but significant at scale. 30 transactions/month × average $0.75 roundup = $22.50+ monthly savings you never notice missing.

Pro Tips

• Acorns invests your round-ups automatically
• Most major banks now offer built-in round-up features
• $30-50/month = $360-600/year without trying
• Combine with automated savings for a double approach