A Saver’s Journey Around the World

Written by Carl Parson

This week, Qapital met with Phillipe Casorla Sagot to hear about his Journeys around and across the globe.

phillipe fjord

Wednesday noon, and that Swedish sun seemed to have finally come out for the summer. Everyone at our Stockholm office were drawn closer to the windows, excited like magnets. But the sun wasn’t the only thing to excite me. Today, I was going to interview one of our super-savers, Phillipe Sagot.

“The world is big, but you run into people you know everywhere”

Maybe I shouldn’t have been very surprised right then — but I was. When Phillipe came into the office, he immediately walked up to two of my co-workers. “Hey, what’s up?” he said.

Apparently, Phillipe knew not only one, but two people working at Qapital. I asked them all if this meant they had staged this whole meeting.

“No”, they all smiled. And Phillipe said, “I guess the world is big, but you still run into people you know everywhere.”

We found a quiet little room. I asked if it’s okay to record, then I opened the shades to let the summer light in.

“You’re originally from Costa Rica” I asked. “What brings you to this little city of ours?”

“Work. And, well, I guess I like to travel around. I just came from Norway, actually. It was amazing. The Fjords — wow.”

“Wow, yes — those fjords have quite a reputation” I replied (But didn’t reveal how badly I’ve wanted to go there lately.)

“The only thing with Norway was how expensive it was.”, Phillipe continued. “I got some salmon and a beer, and it cost me $60! I guess you gotta pay for those pretty views”

I tried some type of clever reply to this, and said, “I guess it’s a good thing you’re saving with Qapital.”

He laughed, looked at his phone, and agreed.

“I’ve started saving for a trip to Tokyo. It’s a fascinating place.”

“I remember downloading Qapital like two years ago. I didn’t use it at first. But I came back to it, and thought, ‘why not’, you know?” This was like six months ago. Now I’ve saved up $1900.”

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“What are you saving for?”

“I want to go to Tokyo. I went there two years ago. Ever since, I haven’t been able to stop thinking about it. I just want to go back. And this is actually the first time I save for a trip in advance. I used to put everything on my credit card, then payed for it afterwards… which kind of wasn’t the greatest.”

“So when do you think you’ll go?”

“Well, I started saving in December. I figure it’ll take me a few more months. I’d like to go in the winter. But I don’t think I’ll stay in Tokyo all the time. This is the advice I give to some: If you’re down to travel a bit outside the city, you should go to Kyoto. It used to be the capital — and you can feel it. It has a lot of tradition.”

“Tell me more about that.”

“Tokyo is crazier. The pace is crazy. It’s crowded — but not in a bad way. Kyoto is calmer. You can go to the temples that are so unique to Japanese culture. You can sit down with the old ladies wearing traditional sandals and garments. And the tables there are only like four inches high. It’s really, really different. I love it.”

“I can’t wait to reach my goal.”

I gave Phillipe a Qapital t-shirt and mug, and said, “It’s not much, but I wanted to give you something to show how happy Qapital is that you came over for this interview.” and he gave me a polite smile.

“I love them”, he said.

“One last question”, I asked. “Do you think Qapital has made you a better saver?”

“Well, before I didn’t save at all. So definitely. I rather not put the big travel expenses on credit anymore. It just feels better if I have the money I’m spending. I gotta say, I’m happy to save. I can’t wait till I have reached my goal.”

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What You Can Buy With $1378, and How You Can Get There

Now that the holidays have almost passed, the New Year looms ahead. What financial goals did you meet this year? Which ones could you have stayed better on top of?

We all had some cash setbacks in 2016, and next year we vow to be ahead of the game – but how? Why not take the “you” out of the equation, and automate your deposits?  Our 52 Week Challenge Rule can help you do just that. The first week, you’ll save $1. The second, $2. Third, $3 and so on. Continue to the end of the year, and you’ll have stashed away $1378. That’s quite impressive, and can get you a lot of goods.

To motivate you, we’ve made a list of 5 things you could buy with those savings:

1. A trip to Hawaii: We’re not joking. The off-season runs between October and mid-November, and toward the end of February through March. There might be some early morning rain, but otherwise you won’t miss much, unless you’re an avid surfer (but hey – how about those rainbows?). Plane tickets during those times average in around $380 (round trip, no less! That is a steal!), which would leave you with enough money to take the time off work, go on a volcano tour of the big island, or have a biking or snorkeling adventure.

This could be you, but you playin' (and not saving)...
This could be you, but you playin’ (and not saving)…

2. A 7-Day Western Caribbean Cruise: Norwegian Cruise Lines offers a 7-day cruise for $999. Leaving out of Miami, you’ll hit up Roatan, Bay Islands (Honduras), Harvest Caye (Belize), Costa Maya and Cozumel (Mexico). Double bonus: each day you’ll have around 7 hours to explore the different locations. What will you do with the extra cash? Visit some Mayan ruins, kayak, or simply soak up the Caribbean sun? It’s your cruise; do you!

Harvest Caye, Belize
Harvest Caye, Belize

Not looking to get away? Not to worry – there is plenty of fun to be had if you keep it closer to home.

3. Festival Tickets: Always dreamt of a fun festival road trip? Crossing the highways with some of your closest friends, taking turns sleeping in the back of the car, and stopping at historic sights along the way? Once you hit your destination – time. to. dance. Tickets to Bonnaroo are starting around $340 (for a full festival pass), Lollapalooza beginning $365, and Coachella around $540. With all that extra cash, you won’t have to worry about gas money, pitching in for an AirBnB, or splurging at the merch tables. I think this is where we scream YOLO.

All of the lights, all of the lights...
All of the lights, all of the lights…

4. Disney World 4 Day Park Tickets: Disney offers specials each year, and typically around this time you can get 4-day park tickets (allowing you to visit a different park each day) for around $300 per adult and $250 per child. There’s truly something for everyone – animal lovers, speedy roller coasters, slower ones for the more faint of folk, and water parks to boot. If you’ve never experienced the magic and wonder (that all ages can enjoy) at the Happiest Place on Earth – you must!

You might even have some extra cash to get these awesome shoes...
You might even have some extra cash to get these awesome shoes…

5. Gadgets: Everyone loves the newest tech toys, and with the raising costs (and constant new releases) they’ve been pretty hard to come by. Luckily, there have been some very solid rumors flying around that Apple will drop the prices of the new MacBook Pro toward the end of 2017. That’s the perfect time to get it, as you’ll have saved up $1378. Toss in a Weekly Set & Forget Rule for a small amount each week, and you’ll have more than saved up for that new shiny computer! Or, skip the computer altogether, and purchase a new phone! Everyone loves a new phone (and all its accessories)! The world is your OS oyster!

Those gourds are secretly speakers...
I’ll bet those gourds are secretly speakers…

Hopefully this has sparked some drive in you to get saving in 2017! The 52 Week Challenge truly makes it so easy. Once it’s set up, the work is done for you. And by the end of next year, you could have one of these things! Or pay off a large sum of school or credit debt. If anything, $1378 is always a nice nest egg to fall back on. You can do it! You’ve got 2 days to start that resolution right.

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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!

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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)!

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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!

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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!

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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.

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The possibilities for saving are endless! If you’re in need of some help, feel free to email socialmedia@qapital.com – 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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How to Live a Dream Lifestyle Without Ending Up in the Poor House

Most of us have a long list of activities we would love to accomplish, but simply can’t afford.

Whether it’s traveling to far parts of the world, spending more time with family, or investing our time in writing a novel – they’re great activities, but we don’t have the time or money necessary to achieve them. So the daily grind continues…

This doesn’t need to be the case.

The reality is, we don’t need to fearfully live from paycheck to paycheck. It isn’t necessary to put off our dreams for eternity in order to afford our day-to-day lives. We can, and should, pursue the life of our dreams.

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The challenge, of course, is preventing ourselves from going broke – now or in the future. If you’re like the average American family with just $95k saved for retirement, avoiding a $5k annual vacation could actually double your retirement savings.

Thus, we find ourselves facing a difficult quandary – enjoying life today, or preparing for an enjoyable life in the future.

As it turns out, it doesn’t need to be an either/or decision. If you plan well you can enjoy life today while building up your wealth for the future. Here are four activities to get you started:

1. Plan Ahead by Budgeting for Things that Matter

Most of us know what our big expenses will be far before they come up. Yet, for some reason, most of us treat them like surprises. Instead of saving we take out loans, add balances to our credit cards, and spend far more on purchases than we need to.

If you want to enjoy life today and tomorrow, start budgeting for everything. No, this doesn’t mean you have to carefully track every penny – it just means that you should set money aside for expenses that you know will come up – like a new phone, annual vacation, or college degree.

An easy way to automate your savings is with Qapital, who allows you to set up automatic transfers from your checking account to activity-specific savings account based on a wide range of criteria. Schedule your transfers and then watch as your savings accounts grow without any effort on your part.

2. Make Retirement Saving Automatic

For most people, retirement saving is an afterthought. Money is put away for the future only after bills are paid and leisurely purchases are made.

If you want to prepare for your future, the key is to make saving automatic. When your retirement account grows without your involvement, it grows much faster.

The first step to smart retirement saving is to take advantage of any 401(k) matching program that your employer has in place. Although 401(k) accounts generally have sub-par returns, the free money from your employer more than compensates for the difference.

Next, create an IRA account with either a traditional broker or a robo-investing company, and schedule monthly deposits. Need help deciphering between them? PolicyGenius has set up a comprehensive breakdown here. By automating your retirement savings, your future will be far more secure.

3. Pick Up a Side Hustle or Start a Business

How do you spend your evenings and weekends? If you’re sitting in front of the TV, the odds of achieving your bucket list are pretty slim.

Consider investing some of that time into launching your own business or side hustle. There are literally hundreds of ways to make money in your spare time – and many people earn an extra $5k+ every month by spending an hour or two working in the evening.

Start freelancing on the side, launch a blog, or develop an online store. The cost and time investment necessary to try a new idea is lower than it has ever been in history. Make the most of it.

If the idea sounds appealing to you, but you can’t think of a venture to pursue, consider taking a vacation. Not only does escaping your office give you time to think, but traveling can help make you a better entrepreneur. Perhaps your million dollar idea is just a flight away.

Sure, spending 10-15 hours a week working may taking away from your TV time, but ask yourself this: how much more could you accomplish with an extra $60k a year?

4. Change Careers

One obvious ways to improve your life satisfaction is to change careers. If you find yourself miserable every day, it’s time for a new role. If you find yourself struggling to pay the bills every month, it’s time for a new role.

By acquiring a job that gives you more freedom, flexibility, and financial support, you can embrace the lifestyle you value now – without ending up in the poor house later.

How do you do this? Start by seeing if you can find a higher paying job in your current field. Or, if that field has become boring to you, search for a way to transition to a new field and increase your pay simultaneously. It’s certainly possible.

A fast-growing option is to become a digital nomad. The community is full of freelancers, remote workers, and entrepreneurs who have discovered how to mix business with pleasure. Some travel the world, others are stay-at-home moms – but they all enjoy the flexibility and freedom of controlling their own schedule. If you have no desire to focus your life around work, this may be the right option for you.

In short, be willing to work hard and smart. Put in the time necessary to succeed, but don’t spend countless hours in a job you hate for a mediocre paycheck. When you find yourself in that situation, it’s time to find a new job.

In Summary…

Money should never prevent you from having an incredible life. Although it isn’t the secret to happiness, being financially stable makes life far less stressful.

Focus on saving more and earning more today, and you’ll be able to live your entire life without ever worrying about money.

Now go plan your next adventure!

Author bio: Rob Erich is travel enthusiast who writes about the digital nomad lifestyle at MoneyNomad.com and discusses personal finances for InvestmentZen.com. He loves meeting new people and helping them find a meaningful vocation. If you’re into that kind of thing, you can stalk him on Twitter: @MoneyNomadRob.

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“Eat. Travel. Write.” Marisel Salazar Saves For A Renowned Culinary Destination

From a background in communication and nutrition at Cornell, to a culinary epiphany in Spain, Marisel Salazar (@breadbutternyc) now runs the food photography and writing game across the Internet.

Everything on her Instagram feed is both personal and client-related: a showcase of the many culinary events she attends with restaurants and chefs, and places she visits while freelancing in food writing. It is so clean and consistently beautiful, you feel like you can almost taste the creations she’s captured.

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I naturally started noticing a pattern amongst A, the places I went to and B, the types of things that I eat.

Originally from Panama, and with detours to Hawaii, Marisel naturally gravitates toward a green and tropical vibe. “It could change, but this is what I’m digging right now.”

At Selamat Pagi Brooklyn
At Selamat Pagi Brooklyn

“I studied in Madrid for almost a year, and that’s where I had my culinary epiphany, as I’m sure many students do.” she says. “I knew I didn’t necessarily want to work in nutrition anymore. Instead I would like to work directly with food and restaurants.” This passion shows clearly in her work. You can see the love for food, as well as the attention to detail in photos of the restaurants. With someone who enjoys her work so much, it makes sense that she likes to mix business with pleasure.

“Since I do a ton of work with food and restaurants and travel, one of my [Qapital] goals – and this is something I’ve always wanted to do – is to visit a food region. There are so many great food destinations and regions, not just in the United States, but all across the world. The Basque region of Spain, that whole northern region, is one of the top culinary destinations in the world. And I’ve always wanted to do a culinary food trip across it. It’s not just a summer vacation, or just a trip to Spain. There’s a little bit more of what I love to do in my work tied into that.”

When Qapital came along, it seemed like the perfect fit for Marisel, who admits she has always enjoyed being in control of her finances.

“I’m creative. [I’m] Working for myself. Having a handle on my finances is extremely important. I do a financial review with myself every week, going over my spending. Where have I been spending the most? Is it food and restaurant, is it grocery, is it supplies for my business, for doing photography? I do keep emergency funds that I contribute to on an automatic basis.”

She also started her Goals-game well before she found Qapital. “I have very informally set up monetary Goals I’d like to reach for myself.” she says. “So, when I heard of Qapital, I was like, ‘This is so great. Someone is doing what I’ve been informally doing in my own head, but in a very tangible way.’ I save up for Goals, but I don’t track them dollar for dollar, which is something that Qapital provides in the app. The whole concept is really cool – it’s obvious that someone was creative about it. You can get really granular when setting up your Rules.”

At Tacombi
At Tacombi

Now that she’s all set up, where else should she plan to go? With so many food destinations – from the Basque Region, to uncharted food territory in Cuba – the world is definitely her oyster. If you’ve got some ideas for her, make sure to follow her page. We’re looking forward to see what creations she finds once she makes it there!

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Fashion and Flowers: How Jules Denby is Saving Toward Her Dreams

Recently, I had the absolute pleasure of sitting down with lifestyle blogger and fashionista Jules Denby (@julesdenby) to go in-depth about her passions, social media presence, and new addition to her family. Witty and real, Jules has created her completely unique, aesthetically-comforting and hilarious Instagram feed. For over an hour, we gabbed about wanderlust, the perfectly curated Instagram, and the honesty and bluntness of Snapchat. Laughed about the intricacies and trials of motherhood, the reality of balancing life and work, and appreciating the humor and happiness within it all.
“You feel like you want to do all different kinds of things, but I notice people who stick to one theme…do way better. Fashion is – foremost – what I’ve done.”
Jules has worked in the fashion industry most of her life – her first job being at a clothing store, as a stylist at Madewell, and now as a fashion-guru on the ‘Gram. “I don’t walk around in heels.” she says. “I am wearing exactly what I photograph in. The leather jacket with the cutoffs and Converse.”
@julesdenby wearing @urbanoutfitters, @madewell, and @levis
@julesdenby wearing @urbanoutfitters, @madewell, and @levis.

So you’d think with Qapital, she’d be saving up for her own boutique, right?

Wrong!

Instead, her sights are set on a flower truck. She tells a beautiful story, of getting out of New York for a while to her family’s home in New Hampshire. Driving through the East Coast looking for a catalog company, getting lost with her sister, and wandering into a coffee shop. The two of them were hired together on the spot, and worked there through the fall. It’s there she meets “Paul.” She says, upon seeing him, “I’m going to marry that man.”

Fast forward two years, and Jules is planning their wedding. She speaks with Emily Herzig regarding the flowers for the table pieces, and immediately falls in love.

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“I needed fresh flowers in my house every day. Peony season comes around and I’m like, the first in line at Whole Foods. I was totally obsessed.”

If I learned anything about Jules in the hour and a half that we spoke, it’s that she knows exactly who she is. And she knows what she wants, and wastes no time making it happen. So it’s no surprise to hear, when she and her husband happened upon a flower farm in New Hampshire, she immediately wanted to make it happen for the two of them. After some discussion, and a surprise find on Instagram, she changes her focus to a truck.

“With a farm, you’re tied down. But with a [flower] truck, you can go anywhere, and do anything.”

So how is she reaching that Goal? With Qapital. The Guilty Pleasure Rule saves Jules money each time she purchases flowers at her local shop. And it also helps her set aside cash each time she stops for gas. It’s the perfect combination for saving, and is inspirational in the process. So what had previously been a quick stop to fill up the car is now a reminder that she’s funding her dreams. We’re thrilled that she’s chosen Qapital to help her reach her Goals. And we can’t wait to watch as her dreams become a reality.

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If you’d like to follow Jules along the road to a flower truck, make sure to follow her Instagram and Snapchat!

 

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Lifestyle Blogger Alexandra Machover Shares Her Advice on Events, Emails, and Automated Savings

“When I started, it was about the food. But, there’s more to me than food. My life is about New York City.” 

Alexandra Machover (@spurofthemoments), lifestyle blogger, chats about how she developed her online personality. As she says in her blog, “each year I meet more people, I meet better people, I do more interesting things, and I embrace every moment of it.”

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That’s more than evident in the vibrant photos she captures on her Instagram. Self-described as “clean, raw, and real” you feel like you’re experiencing New York through the images: sitting poolside in the Hamptons, grabbing brunch with friends at the hottest NY spots, or taking a slow coffee break with a close friend.

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“Everything is in-the-moment. I always stay current and positive, and really try to live life to the fullest.”

And she has. Growing up in Long Island, Alexandra attended music school for 18 years, studying classical piano and guitar.Throughout her career, she’s sung pop music, opera, and, “probably the coolest thing about [her]”, a cappella with her NYC group, BLACKOUT.

When she’s not singing, her day is jam-packed. Waking up early to exercise or join a pal for a morning cup,she then jumps into her work day – Freelance Producing videos for PopSugar. After work, you’ll find her catching up with friends, updating her blog, or attending social media events. Between production, emails, deadlines, and making sure she has time to experience the city, it’s no wonder that the automation of Qapital comes in handy.

“I’ve always been a saver. I set the bar high for myself, asking, ‘How much do I need to be paid to be saving money?’ It’s nice to save even more and not notice it. I don’t spend a ton of money, I don’t shop a ton, so saving has always been the priority.”

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So…what is she saving for? And how?

“I need to travel. It’s nice to get out of the city every so often to relax. The fall will be busy. A trip will be nice.”

Using the RoundUp Rule, Alexandra is quickly chipping away at her Goal, and without sacrificing a single moment in doing so. That’s the simple beauty of Qapital. You set the Rules to help you save based on your personal lifestyle and budget. We’ll automate it, you keep living.

with @calebthill. photo @gabrielle.lui
with @calebthill. photo @gabrielle.lui

For more on Alexandra – from fashion to food and fun – follow her across her social!

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NYC Vibes: Life After Summer’s Slumber

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Photo by Annie Spratt

You may have noticed the beautiful New York City pictures posted on our Instagram this past week. This is because we are celebrating the city — for being pretty, for being our hometown, and for having so many amazing events to save up for with Qapital.

Now, we will admit: that despite it being our favorite place to chill, it hasn’t quite been the pool-full-of-ice-cubes we wanted for this summer. On the contrary, it was so hot that melting power-lines came crashing on the streets.

Luckily, the streets have now started to cool down. There is no longer a need to worry about sizzling power cables when we go out to do things, or about perspiring the event arena into an Olympic swimming pool when we watch the show — or, that we’ll just sink and disappear somewhere in the melting asphalt. (On a personal note, my AC broke down, meaning I had to lay still for several days so to not produce an ounce of extra heat.)

As a grand welcoming to the cooling-down, and in celebration of the city we love, the team at Qapital brings you this list: of some of the finest N.Y. happenings in the coming months; Music, Film, and more. We know you want it, because as the unbearable heat leaves, common sense — or call it intuition — tells us it’s time to rock ‘n’ roll again.

August 23rd: B.B Kings Blues Club Allstars Project and the Harlem Blues Project.

All the jazz-cats out there — get your weekly dose of blues. We’d explain to you about what you can expect at the show, but the artists themselves do it so much better at their website.

August 27th-28th: Afropunk Festival at Commodore Barry Park.

In the mood for some Ice Cube, Tyler the Creator, or Kelsey Lu? Look no further, because Afropunk has the lineup.

August 30th: The French Connection (film) at Nitehawk Cinema.

This movie received twenty-two nominations and ten awards. There’s no better place to see it than at the renowned Nitehawk Cinema.

September 2nd-4th: Electric Zoo at Randall’s Island Park.

This event-of-events promises to take the biggest names in the EMD industry and — yeah — make the entire island a zoo.

September 6th: Kanye West at Madison Square Garden.

Genius or not — we all know who he is, and we all want to see him.

September 7th: Beyonce at MetLife Stadium.

Maybe you want to stand in Formation? We think Queen B has something important to tell us (and we can’t wait!).

September 12th: Central Asia’s Silk Road: People and Places (talk) at the Explorer’s Club Headquarters.

Additionally: on this summer — If you have ever wanted to learn more about Uzbekistan, Turkmenistan, Tajikistan, Kyrgyzstan, and Kazakhstan — you can consider yourself lucky. Go to the Explorer’s Club on the Upper East Side and absorb all you can at this guest lecture.

September 17th-October 3rd: Oktoberfest

And finally, as many do with most things, let us also wind this list down with a couple of beers. Although you will probably have to taste a few more the time before you wind down — almost one month from now — at the legendary Oktoberfest!

😍🍻💃

What’s good about these events (and many N.Y. events in general) is that they’re quite affordable. Yeezy might be a little pricey — but if you save smart with Qapital you’ll have more than enough $$$ to come through the wire!

Did we miss listing something you’ll rather save for? Let us know about your summer and how you’ll #Qapitalize your way towards your Goals with a Tweet or a ‘gram @Qapitalapp!

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Hello, new ways of saving $$$ with IFTTT!

Qapital ifttt launch

Today the whole team is super-excited to launch something we and our friends over at IFTTT have been working on for a while. Say hi to the brand-new, seriously curated, easier-than-ever-to-implement ways to save with Qapital and IFTTT!

If you’ve used IFTTT before, you already know about the greatness in connecting your favorite apps to each other. If you haven’t, get ready to have your mind blown!

Say you’re saving for a sunny vacation: You want to save a set amount for this warm wonder every time it rains at home. No problem — just open the Qapital app, select “IFTTT Rules”, and connect your weather app to it with IFTTT. Each rainy day will now be a little better, as it’ll trigger a saving that gets you closer to your holiday.

Or maybe you want to save toward that mid-century dresser each time you pin something to your “New House” Pinterest board? Also doable!

Save a dollar each time you post a photo on Instagram? You guessed it — possible!

These three examples are only a select few. There are many more to help you streamline saving, and make it WAY more fun. Here’s how you activate them:

  1. Open up the Qapital app
  2. In the Rules section — select “Create new Rule”
  3. Select IFTTT, and choose your own personalized way to save $$$

Voilà!

We hope you’ll dig these new saving-tricks as much as we do. Tweet us at @Qapitalapp to let us know which one is your favorite!

Note: For our users who are using previously created IFTTT recipes to save with: Nothing has changed. Your old recipes will continue to save for you without interruption.

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Stay Calm and Save for the Future

We don’t hear it enough: our generation has failed to acquire the financial security our previous ones had. “No Pension Pamela,” or “No Mortgage Mike” is what they say to our faces. And while we may think this is wrong or unfair, we can’t help but wonder…are they right?

With this in mind, we have compiled a list of articles scrutinizing millennials. A list that covers the entire spectrum of millennial doom. We will shed light on our mounting student debt, lack of insurance, lack of savings, etc. — not to make us feel any worse about our future, but rather to inspire strength. Because as it turns out:

  1. No one is alone in this.
  2. It’s not our fault that expenses are peaking.
  3. Nothing is over yet. There’s still more hope than most are willing to admit.

Article number one, with the starting line, “As God is my witness, I will never hire a millennial again as long as I live”, will put us right in the mode. It speaks about how the millennial generation doesn’t want to work. Big surprise, yes?

This second article, about our incompetence when we actually do work.

This third lets us know how willfully ignorant we are.

Or how we aren’t buying homes or roofs to sleep under.

And let’s talk about our planet’s future — that which we will all depend on for our future. For all we know, it’s doing even worse than us. Here you can read about the end of the world.

To top all of this off — what about all the asteroids out there that are coming to blow the earth and all millennials on it into pieces? TX68 (what a cute name) is one of them.

It’s hard to not be a little upset by this.

But what is more upsetting, is that while all of this is going on, The Economist has the guts to ask why our generation isn’t buying diamonds.

millennials diamonds 2

Is it not clear that we have other things to think about?

You cannot eat diamonds. You cannot live inside a diamond. You can definitely not drive to work, or shoot down an asteroid with a sparkly diamond.

Jokes aside.

There are many people out there who are very opinionated. And many times, these opinions really get to us. Get the best of us.

We’re almost made to believe that all of this is true. That this is, indeed, the end. But let’s wait a minute.

What if we’re not so terrible?

We are, after all, the most educated generation.

Plus, we are – in spite of all the stereotypes – great workers.

Some go as far as to say that, despite our shortcomings, we will save the world.

Additionally, the asteroids won’t hit us, at least not yet.

Close, but no cigar, TX68…

sad asteroid

It seems that – contrary to that of TX68 – we, the millennials, may still have a bright future. It wouldn’t be so crazy to think that when people are criticizing us, they may be exaggerating. People exaggerate all the time — especially when they talk about the younger generations.

This is nothing new. The phenomenon has existed for as long as anyone can remember. There’s even a word for it: Juvenoia; the fear and hostility of an older generation directed to the younger. Vsause will tell us all about it in this video.

With this, let us conclude that we’re all pretty good, or at least just as good as any other generation. The world is different today; while it was important twenty, thirty, or forty years ago to own a house or be debt-free, this might no longer be equally crucial.

This is not to say there is no room for improvement; it just means that we don’t have to lose ourselves in a giant pit of anxiety every time someone comments on our financial shortcomings. Our previous generations may have had more capital stashed up, but they didn’t have Qapital.

So think about this as you save for the future. Oh, and have a nice Thursday!

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