The Inspiration for our New Product – Qapital Spending

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Written by George Friedman, CEO.

At Qapital – we spend a lot of time thinking about people’s relationship with their money. About how the way people are wired affects the way we manage our money. And about how human nature shapes our financial decision-making (sometimes for the better, sometimes not).

It’s why we design our products in tandem with Behavioral Economist, Dan Ariely – who helps us find ways to make the act of saving more successful. Like having people save for specific goals, instead of generic savings accounts. Or having people upload custom photos for their goals – because we know that when people can see what they want in front of them, they save 2x more.

By combining behavioral economics and technology, we built an app that turned people into great savers by making saving easier and more motivating.

Today, we’re taking that same philosophy a step further with the launch of “Qapital Spending” – a checking account designed to help people spend more intentionally, and reach their goals even faster.

This means that Qapital is moving from a simple savings app, to a more holistic goal-focused personal finance platform. Or – in human speak – a new way to bank designed to help people put their money towards the stuff that matters most.

Now, with the addition of Qapital Spending, users can better monitor and manage their weekly spending and savings habits in real-time. They can automatically puts a little away every time they swipe – making saving for their goals a daily, automatic habit. Qapital users even get helpful notifications about how much they’ve saved and track progress towards their goals.

Just like traditional banks, Qapital lets people send paper checks, set up direct deposit, even earn interest on their account balances. But UNLIKE banks, Qapital has no monthly fees, no minimums, unlimited transfers and more. So basically – the stuff you need, without the stuff you don’t.

It’s the next step in our effort to create a better banking experience. One that helps people not only manage — but improve —  their financial lives. One that’s less frustrating, and more fulfilling. One that helps people get the most possible happiness out of their money.

And the best part, is this is just the next step. Much more to come in the next year.

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.

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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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How I Saved for My Wedding Making My Lunch and Using the Qapital App

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Written by Laura Hager, Blogger

For years, I had been dreaming about my wedding. I had been pinning pictures of pretty venues, gorgeous dresses, and color palettes to my Pinterest board long before I was engaged. I had so many ideas saved up! Needless to say, I was beyond thrilled when my boyfriend got down on one knee and asked me the question. We were in a newly engaged, dreamlike state until we realized that we had no way to pay for our wedding.

How had I scrolled through endless wedding Pinterest boards and never thought of how I was going to pay for it?! After a few days of trying to coming up with schemes to earn money, it hit me. I could create a new goal on my Qapital app! I had my Qapital rules saving my money into two goals already, so I knew that this type of savings plan was perfect for me! I logged into my app and created a new goal and titled it “My Wedding.” I knew I need to add money to that goal as soon as possible, so I created two rules. The first adds a certain amount into the goal every Sunday and the second rounds up every purchase to $3.

What I love about Qapital is that I just have to create the rules and let the app do its thing. I don’t have to think about my savings goals all day. My handy app is constantly working towards my savings goals for me, even when I forgot. Something else I love about Qapital is the automatic overdraft protection. Overdraft fees are the worst! The app helps by postponing the transfers until the withdraw account is ready to go. Plus, it holds the transfer amount and remembers what it was going to transfer so no saving rules get skipped!

In addition to the rules I created, I started manually transferring money into my wedding savings goal. If I decide to make coffee at home instead of hitting up the closest coffee shop, I transfer the $4 I would have spent into the app. If I decided to check out a book at my library instead of purchasing a new one, I move the amount I didn’t spend over to Qapital. It’s so easy to manually transfer a specific amount of money. And in only a week of this new habit, I saved $50 from packing lunches and brewing my own coffee.

Using Qapital to save for my wedding has relieved a lot of stress! It’s also helping me become more aware of my spending habits and helping me become a better saver!

Do you have a wedding coming up? Let me know which saving rules are helping you get to your dream wedding goals!

Laura Hager lives in Phoenix, AZ with her fiancé and their small dog, Astro. She runs a blog called Laurel and Fern. She loves scrapbooking, baking, reading, and all things creative. Her website is www.laurelandfern.com and her Instagram is @laura_hager.

How I Saved $951.68 for my European Adventure with 2 minutes of Minimal Effort

Written by Lucy Ross, Editor in Chief at Likeabossgirls

You know that feeling on the first chilly day of the season when you reach into the pockets of the coat you haven’t worn in months and you realize you are now holding a $5 bill? Yeah, I don’t know about you but I get pretty jazzed about that. Fancy latte and a muffin, here I come!

So imagine that feeling times 200. Literally.

That’s how I felt when I went to check my Qapital app as I hopped on a plane to Budapest and found $951.68 saved and ready for spending on fun things. I had just set it up 6 months earlier!

LET’S START AT THE BEGINNING

Ok, let me explain. In August 2016 I decided I wanted to finally take this idea of a European springtime travel sesh out of my head and into action. I’m a digital nomad–a.k.a. I get to work from my laptop, so wherever I have a wifi connection and one of those aforementioned lattes, then I am good to go!

For me it was just a matter of logistics: where will I go, where will I live, and how long will I be there. And of course, intertwined with each question: how much moolah will I need to cover my expenses and then some.

I did some digging on this fantastic site where digital nomads rate cities based on different factors that affect our livelihood and quality of living called NomadList.com. I found that Budapest and Prague met my requirements:

  • High-speed internet that is easily accessible (i.e., complimentary fast wifi at all cafes)
  • Friendly toward foreigners
  • At least of a third of the population knows English
  • Safe for a solo lady traveller
  • Low cost of living

BUDGETING FOR A TRIP

Once I nailed down the locations, it was on to planning out my finances. I calculated my average monthly expenses for the last year in the U.S. and then told myself Lucy, your monthly expenses for this 2 month European jaunt need to be equal or less than that!

So off I went finding airbnbs and flights that were in the budget. Easy enough.

But I know myself and know that if I have an opportunity to go to some cool cultural event (like the Hungarian Folk Dance concert I just went to last night) then I want to be able to go do those things guilt-free… “When in Rome…” right?!

I knew I wanted to set up a savings plan for the “little luxuries.” Within that day, I learned about Qapital (gotta love targeted Instagram posts!).

HELLO EASIEST SAVINGS APP EVER, NICE TO MEET YOU

The premise is simple: it’s too hard to save AFTER you’ve spent money. So why not just save while you spend. And make it automatic!

I downloaded the app and within 2 minutes I had set up rules for reaching my savings goal of $1000 (=$500 for each month I’m there) for the little luxuries of my 60-Day European Adventure.

I had 3 “rules” for saving that I set up in the app:

  1. A Round-Up Rule: Every time I made a purchase using one of my connected cards, Qapital would round up to the nearest second dollar and put that difference in my savings
  2. A Spend Less Rule: For every week I spent less than $15 at Panera Bread (where I have a bit of an addiction!), then the difference is saved in my account
  3. A Steps Rule: Every day I walked 10,000 steps or more, 5 buckaroonies get transferred to my savings (Yay health! Yay savings!).

Here are screenshots of the my rules and activity for a few days in March:

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So that was August 19th when I set up those rules. On April 3rd, as I boarded the flight for my first leg of my journey, I wanted to see how my progress was looking (FYI, they also sent me monthly reports of how close I was to my goal so I could adjust or add rules whenever I wanted).

And what did just six-and-a-half months of mindless automatic saving have in store for my future little luxuries? $951.68! Not bad for a mere 2 minutes of effort setting up savings “rules” back in August! Concerts, fancy dinners, and facials, here I come!

I guess what I’m saying is two-fold: Saving is smart. But making saving AUTOMATIC is wise. Do both. It’s actually kinda fun.

Lucy Ross is a Web Design, Videographer &  is the Editor In Chief at Likeabossgirls.

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.

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.

“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!

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!