Resolution Ready for 2k17? Qapital Will Help Keep You On Track!

We all have good intentions when it comes to setting resolutions. Unfortunately, intentions aren’t the thing that usually keeps us going when it comes to meeting these goals. You’ll need drive, determination, and a sometimes…a little help.

Lucky for us, Qapital is all about #Qapitalizing (pun intended) on your already existing behaviors, which means if you’re looking to change those habits up for the better, why not reward yourself financially in the process? The ability to do so is just a few pushes of a button away.

In order to better help guide you, I reached out to some Qapital customers (and employees), and asked them for their resolutions for the upcoming year:

Matt Russell, Los Angeles-based musician and Customer Success Representative (as well as “Best Use of Emojis In Customer Interactions” award winner), is resolving to “change more diapers” this year (after the birth of his new baby girl), and would like to “shed some extra pounds.” If losing weight is something you’re interested in, Qapital has you covered. Using an iOS? We’ve got an Apple Health Rule for you; simply activate it and choose your trigger. Would you like to meet a daily walking, running, or exercise goal? Once connected, the Rule will save your set amount after you’ve reached it. If you’re on an Android, or already using your favorite fitness app, we can connect through IFTTT with Qapital + FitBit, Nike +, Strava and several others!

As for the diapers…while we can’t help you physically change those, we can keep you on track with an IFTTT Location recipe. Simply set up the location to fence the baby’s changing table. Enter the location, and voila! Future college money saved!


Joe Weber, a Los Angeles Based comedian intends to travel more in 2017. If this sounds like it’s right up your jetway, Qapital suggests setting up a Freelancer Rule, which will set aside a percentage (you choose!) of each direct deposit over a chosen amount. If you’re a Pinterest fan, why not use an IFTTT Qapital + Pinterest Recipe to save some cash each time you pin something to your Travel Board? A little goes a long way, and so will you (once you’ve saved up)!


Tracey Carnazzo, Qapital Customer Success Representative and New York City-based comic says, “I’m going to pay off my debt this year using Qapital,” and she’s already got her Rules in place. She set up the 52 Week Challenge Rule, which will save $1 the first week, $2 the second, and so on through the year. By this time in 2017, she’ll have saved $1,378. She’s also using the ever-popular RoundUp Rule, paired with a Weekly Set & Forget. Here’s to being debt-free, Tracey! We’ve got your back!


Chicago-based Freelance Illustrator, Sterling Martin, has several resolutions: “I am going to buy a new computer, restart my 401k, cut my cholesterol, and get a new job doing graphic design.” We’ve got lots of ideas for those! For the new computer, maximize your time on the old one and set up an IFTTT Qapital + Spotify Recipe –  you’ll save each time you add a song to a playlist. Add additional money to your 401k by setting a Freelancer Rule to save each time you get a direct deposit. You can transfer back to your personal account, then roll it over whenever you choose! Cut back on cholesterol by rewarding yourself with trips to the grocery store (instead of a fast food restaurant). You can set up a Guilty Pleasure Rule to save each time you spend at your local market. When it comes to getting that new job? Maximize your talent by using an IFTTT Qapital + Instagram Hashtag Recipe. Post a photo of a recent illustration, use a specific hashtag, and watch the savings add up! Bonus: you’re marketing your work at the same time!


Alfredo Aponte, the Head of Design at Qapital,  would like to “stay better connected with family while I am afar. And post more small updates for them on Facebook and Instagram.” If you’re feeling the same, try using an IFTTT Qapital + Facebook Status Recipe to save money each time you update online. Now they’ve got an update, and you’re one step closer to a plane ticket back to visit. You can also trigger savings when you post on Instagram with an IFTTT Qapital + Instagram Recipe. Or keep yourself in touch with family by setting up a weekly chat or phone call. You can save money in two ways – with the 52 Week Challenge as well as a Weekly Set & Forget.


The possibilities for saving are endless! If you’re in need of some help, feel free to email – we’ll be happy to throw some ideas out for you. Think you’ve got it on lock? Share your stories with #QapitalResolutions! We’d love to hear what you’re going to accomplish this year, as well as your successes.

From the team at Qapital: stay safe this New Year’s Eve, have a great start to 2017, and always – happy saving!


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Small steps for this man lead to big savings each month!

Throughout the month of June, we’re featuring Qapital customers using health and fitness Rules to help them save money. This week, we’re featuring Craig Caruso from Staten Island, NY! Craig squeezes mini-workouts into his day and saves money in the process.

Qapital customer Craig CarusoWhen it comes to reaching his daily fitness goals, Craig Caruso’s approach is to channel his passion for technology into positive reinforcement.

“I am a technologist,” he says. “I love finding new apps, exploring them and see what’s new. I live and breathe technology.”

Craig, who is a “engineer by day, developer by night,” says that his health and fitness have become more important to him as he gets older.

“As I am getting older I realize fitness is a top priority over everything else. Even standing for a few minutes helps.”

As part of his fitness strategy, Craig is cutting down on long stretches of sitting while he’s at work, rewarding himself for a job well done using Qapital. He’s using two Apple Health Rules to help keep him moving while in the office.

“[When I] run or walk 4 miles a day… I save $4 and stand 12 times a day for $1,”  he says. “I picked those goals because they are achievable but you do have to push yourself.”

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Hack it! Two behavioral economics-based tricks to make exercising a habit

This month, we’re celebrating awesome ways to keep yourself motivated to meet your fitness and financial goals. Our Chief Behavioral Economist Dan Ariely recommends using habits to help you keep on target with your workouts!

Dan Ariely, Qapital's Chief Behavioral Economist

With so many demands on our time and priorities to manage, it can be hard to squeeze consistent exercise into our busy schedules. How can we make sure to take time for ourselves and work out when there are so many other things to do (like watching cat videos to watch from the comfort of our sofa)?

While he can’t promise to make you love working out, Qapital Chief Behavioral Economist and world-renowned researcher Dan Ariely says making going to the gym a habit is one way to make sure you at least show up.

Working out every day takes a lot of ongoing willpower,” he says. Here are his two secrets to taking willpower out of the equation and making workouts a habit.

Make Exercising Social

Plan to meet friends or colleagues at the gym or in the park and work out during your ‘meetings’.

“This kind of social obligation is likely to hold you, and them, accountable to show up, and once you have shown up, you might as well start sweating.”

If peer pressure can help encourage us to do, shall we say questionable things, why not give it a try to make a positive change?

Recruit Rover

One sure-fire way to get yourself out of the house is by getting a dog. Find your nearest local shelter and adopt a new best friend!

“Once you make this quick one-time decision, you are going to go for daily walks for the next decade.”

Nothing like having a living creature relying on you to help you hit those recommended 10,000 steps per day! Just make sure you’re ‘a dog person’ before signing the paperwork.

These suggestions and quotes originally appeared on TIME.comWhat are some of your workout hacks? Tweet us @Qapitalapp and we’ll share your tips and tricks with our community!

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Body movin’: How this Qapital customer is making the human body her life’s work

Throughout the month of June, we’re featuring Qapital customers using health and fitness Rules to help them save money. This week, we’re featuring Lilia Cazaes, a physical therapist and pilates teacher from Atlanta, GA. She’s using fitness Rules to save money for a pilates course and more!

Qapital helps customer Lilia save moneyWhen it comes to health and fitness, Lilia Cazaes is makes it her job to keep bodies moving. Originally from Brazil, Lilia is now a physiotherapist and pilates instructor in Atlanta. Lilia says it’s been her goal to work in fitness since she was a teenager.

“I decided to become a physical therapist and pilates instructor because when I was 14-15 years old, I did ballet and Hebrew dance for 3 years.” she says.

It was her time as a dancer that inspired her to continue learning about the human body.

“I love body movements and became a physiotherapist to learn more about this.”

Not only does Lilia teach pilates classes as part of her fitness regimen, she also does CrossFit and runs on the treadmill as part of her workout routine. To help keep her motivated, she uses the Workouts and Steps Rules with Apple Health in Qapital to save money as she exercises.

“Each day that I workout, it’s more close of my financial and my personal [fitness] goals,” she says. “I feel better, positive, motivated and focus when I’m exercising.”

By using fitness Rules in Qapital, Lilia says she it’s made her feel more comfortable about putting money aside since she’s using her everyday workout routine to help her save.

“I don’t need to worry about when or how much I have to save,” she says. “[I] just save!”

She says as an instructor and physiotherapist, the best part is helping her clients improve both their fitness and overall health.

“The best part of this is helping people notice their bodies can be better when they learn a little more about it,” says Lilia.

She says the motivation to keep helping people is to understand that “the human body is the best ‘machine’ in the world!”

Whether you’re looking to save when you step or reward yourself for hitting the gym, using your everyday fitness habits to build up your financial fitness makes it easier to reach your goals both in the gym and your bottom line!

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🎵This is how we do it🎵: 7 Motivating (and funny) fitness stories from the Qapital team

This month, we’re celebrating awesome ways to keep yourself motivated to meet your fitness and financial goals. To celebrate, we’re sharing some of our team’s favorite workouts and funny stories from the gym and beyond!

Runners in Park

When it comes to working out and saving, it can be tough to get people to spill their secrets for success. Luckily, our team is willing to share their tips! Get to know some of the people behind the app and learn more about how they keep up with their fitness and financial goals with the gym + Qapital.

Anders, Front + Backend Developer, Stockholm

Anders in the Qapital officeFavorite way to exercise: Running or cycling

Least favorite way exercise: Cross-country skiing

Favorite music to listen to while working out: Not a big fan of music while exercising outside of the gym. I listen to the thoughts (or voices) in my head 😉

Greatest athletic achievement: I’ve completed two half marathons

Favorite way to save with Qapital fitness Rules:  Saving with Strava when I run.

Favorite sport to watch: Cycling or any sport where countries not clubs compete, like world championships or the European soccer championship

Funniest thing you’ve experienced while working out: Being beaten at a half marathon by someone pushing a stroller

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Inside the thrilling world of roller derby with all-star skater Gigi!

Throughout the month of June, we’re featuring Qapital customers using health and fitness Rules to help them save. This week, we’re featuring derby girl Gigi Owen from Tucson, AZ. She tells us how she got into this offbeat, fast paced, highly athletic, and strategic game!

Tucson Roller Derby - Pixie Axe
Gigi ‘Pixie Axe’ Owen, center. Photo: Derby With Recess

Gigi Owen’s toughness runs deep in both her professional life and hobbies. By day, she’s working on her PhD in Geography, specializing in how climate change will affect people’s access to food, water, and energy in Tucson. She spends her evenings and weekends playing bass in a metal band called Scar Eater and skates with the nickname “Pixie Axe” in the Tucson Roller Derby league for the Copper Queens.

I started roller derby almost 9 years ago now,” she says. She first tried out for the team in 2007 and has been playing ever since!

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Make your workouts (and saving) competitive with Qapital + Strava

This month, we’re celebrating all of the awesome ways to keep yourself motivated to meet your fitness and financial goals. To kick it off, we’re introducing you to the stellar new IFTTT Channel for Strava!

Runners on the Brooklyn Bridge

When you’re a competitive person, you’ll take any chance you can get to challenge a friend (or frenemy) to a face-off. Whether you’re part of a running club or spend your weekends riding your bike with a pack of pals, Strava can help you make the most of your exercise when you pair it with Qapital via IFTTT!

“Wait, what’s IFTTT,” you ask? IFTTT allows you to link activities in your favorite apps to generate savings in Qapital! This blog post explains how it works in more detail.

Create an account with IFTTT, then link Qapital and any other apps you want to use. The coolest part? Qapital customers who save using IFTTT save on average four times more than others!

Now that Strava, the social network for athletes, has their own IFTTT Channel, you can track your own progress and compete with friends, even if you can’t work out together. Strava connects with lots of fitness trackers, so you don’t need to ditch the one you already love to use.

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Qapital + Apple Health Rules: Reward your fitness achievements!

Use Apple Health Rules to add more pep to your step! Keep yourself on track with both physical and financial fitness.

Apple Health -Blog

If you’re anything like me, you’ll take any incentive you can get to help keep you on track with your fitness goals. Sound familiar? Then rejoice – our new Apple Health Rules are tailor-made for you!

Whether you’re hitting the gym, hiking in the woods or taking the stairs instead of the elevator, now you can make it count in Qapital! Use your iPhone to automatically save money toward Goals when you reach your target in Apple Health for Walk or Run Distance, Steps and Workouts.

The fitness targets and the amount you save when you reach them are, of course, completely customizable so you can adjust the Rules to your own personal needs.

Reach your 10,000 step Goal every day thanks to some great lifehacks? Reward your consistency by chipping away at a big Goal $5 at a time!

Trying to work out for an hour four days a week? Pitch in $20 to your vacation Goal when you do!

Whatever gets you moving, you’ll be able to save money as you do it. And don’t forget to check out the IFTTT Channels for other fitness trackers like Nike+, UP by Jawbone, Misfit, and FitBit if you’re looking for more ways to link your physical fitness goals with your financial wellness!

How to set up Apple Health Rules in Qapital

  • Open the app and tap the + button in the top right-hand corner
  • Tap ‘New Rule’ then scroll down to the Apple Health banner and tap it
  • Follow the onscreen prompts to set up your personalized fitness Rule

How do you use Qapital to help you reward yourself for meeting your fitness goals? Tell us on Twitter by tweeting to us @Qapitalapp and we’ll share it with the rest of the Qapital community!

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FitBit + Qapital: Get Yourself (and Your Wallet) in Shape

When it comes to being healthy, we can all use some incentive. When you combine Qapital and FitBit, each mile, step and achievement translates into money in your pocket.

You can save toward your Goals, whether its new running shoes, a session with a personal trainer or a surf vacation, every time you go the distance.

It’s easy to save with your Qapital account and FitBit.  Just set up an account with IFTTT and you’ll be on your way to racking up miles and millions (well, maybe hundreds) of dollars.

IFTTT Recipe: Reward yourself every time you hit your daily step goal connects fitbit to qapital

IFTTT Recipe: Save money every time you hit your distance goal connects fitbit to qapital

IFTTT Recipe: Reward yourself for getting more sleep connects fitbit to qapital

Did you create your own IFTTT recipe using Qapital and FitBit? Tweet at us at @qapitalapp and we’ll share with our entire community of savers or feature you on a future blog post.

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4 Ways to Boost Healthy Savings + Healthy Lifestyle

Trying to maintain a healthy lifestyle is a lot like saving money. It can feel thankless sometimes.

We put in the work day in and day out but it’s tough when we don’t see results right away. We know we’ll look and feel better in a six months but dang, if it doesn’t feel like we’ve been on that treadmill for years and our jeans still fit the same. Same with saving money — we know we’ll get to our savings goals if we just keep plugging away but it can seem like a lot of effort for a small result.

Some days, we need incentive to put on our sneakers or choose a veggie burger over a cheeseburger. It’s easier to run toward something — like a new wardrobe or a great new set of headphones — when you’re excited to get there.

Here are 4 ways that Qapital’s Rules can help you kickstart your healthy lifestyle:

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