Save while you spend? There’s an app for that.

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“A penny saved is a penny earned.” So the old adage goes.

I don’t know about you but anytime I can save effortlessly, I am all for it. I stumbled upon this nifty little app in my search for ways to save our family even more money. When your family is really tight on money it is hard to put away because you feel like there is no where you can pull from that won’t hurt that expense.

That is the great thing about this app. You are putting away into savings without it feeling like you’re putting a strain on your budget.

This app is perfect for a college student who maybe doesn’t have a steady income. Or a one-income family living paycheck to paycheck.

You could keep all your change in a bottle somewhere that you have to take to a store to put into a machine that charges you a percentage of your own money to count it for you. No thanks. Or you could sit for hours putting them into rolls for the bank. Your choice.

Or you could just download this app called Qapital.

Qapital

This is a free app, for now, that will round-up the change from your every day purchases and put it into a savings account! That is what they call a “rule”. I wanted to put a screen shot of how much we have already saved but for privacy reasons I couldn’t take one.

As of this post we have put away $65.93! just by rounding up each purchase spent. We have been using the app since December of last year. That is basically like putting $4.00 a week away into savings. You can set your rule to round-up to the nearest $1.00 or the nearest $2.00 and so on. I have it set to round-up just to the nearest $1.00. So if you bought a  cup of coffee for $1.85 it will round-up the $0.15 into your savings account.

It takes two to three business days for you to see any savings at first because it works very much like a bank. Just like a bank will show you pending purchases the Qapital app does the same. It shows you the total but has underneath the pending amount for the day.

One user said,

“This app is AMAZING! I’ve been struggling to save money for months and this simply does it for me. You set your “rules” on what to withdrawal from your account and even stops if you have less than $100 in your account. Very easy to set up. You guys are amazing, thank you so much for creating this app!”

Another user said,

“This app is easy to use and very helpful! I’ve been saving so much without realizing it. It’s also very secure, and I love the overdraft protection! Thank you Qapital!”

First off, how does Qapital work?

How does Qapital work?

“Qapital automates your savings by letting you set up Goals toward the things you want and then save toward them by setting up different saving Rules. The saving Rules trigger transfers from your connected bank to your Qapital account where you can build up your savings.”

And to know your money is safe.

Is my money FDIC insured?

“Yes. The funds in your Qapital Account are FDIC-insured and held at Wells Fargo Bank for your benefit.

Qapital itself is not a bank, therefore does not have an FDIC insurance number.

The funds are FDIC-insured on a “pass through” basis. This means that each individual customer’s balance is protected by FDIC insurance, up to the limits established by the FDIC. Other funds that a specific investor has on deposit with Wells Fargo may count against any applicable FDIC insurance limits for that user. All funds held within Qapital are FDIC insured up to a balance of $250,000 per user.”

You can watch their video that explains how the app works too.

Because I already have the app and I love it I am going to share my referral link with you! Please be willing to use the app for a while and don’t just take the money and run. With this referral link you get $5 and I get $5. It’s a win win!

Follow this link and they will text you a one time SMS code to download the app. https://my.qapital.com/?_branch_match_id=368942348347476363#/download

The $5 will be transferred to your Qapital savings account.

After you download the app you will need your bank routing number and account number for the Qapital app to link to. When you have that put in it asks you to set up a pin number for the app.

Then you will be asked to set a “rule”. This is a goal that you are saving for and how much you want to round-up. I believe you can set up as many rules as you want but you might not save up as quickly because your “change” will end up being split too many ways.

Once you are in the app, It shows your total savings (including upcoming deposits) and then you can scroll down through your recent activity. There is a little + sign button at the bottom right of the screen where you can quickly make a new transfer, make a new goal or add a new rule.

There are three icons at the top of the page. The top left shows your savings with Qapital. The middle wallet looking icon shows your Qapital savings account at a glance and your bank account at a glance. If you tap on your bank it shows all of your transactions since using the app. If you tap on the Qapital account it shows you all the deposits made into your Qapital account from your bank account. It also has your goals in there as well so you can see how close you are to achieving the goal you set up. The last icon is a little person showing you your user info and settings. This is where you can change your rules, accounts and it has your own referral link to give out to family and friends. Lastly, there are the app settings where you can change your password, contact Qapital, (I had a quick response from them) view the terms and conditions or log out.

You have to put your pass code in every time you enter the app so I don’t feel the need to log out.

Another really nice thing about their app is that everything is completely free! No joke. This from the fees section on their site.

No Minimum Balance

No Minimum Balance

Why should you have to pay a surcharge for being broke? We say “no way” to that.

Zero Setup Fee

Zero Setup Fee

Just get the app, open your account, and link your bank, without spending a cent.

No Monthly Fees

No Monthly Fees

There’s no annual fee, either. It’s not too good to be true – we promise.

 

Hope this post was helpful in saving you time and money!

Have you heard of this app before? What other ways do you save?

Coffee, Anyone?

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Disclosure: This post may contain affiliate links. See disclosure here.

Hey there! Let’s jump right in, shall we? I finally took the plunge and tried my hand at chalk painting and let me tell you it was sooooo easy!

I was super intimidated by all of the really pretty furniture I had seen done by others that I thought, “Ain’t no way mama gonna make it look that nice.” Well, I proved my self wrong and have a fantastic finished product to show for it. Now I’m going to show you how I did it!

I found the style of sign that I wanted at Hobby Lobby (A. K. A. my second home) and also the chalk paint I was going to use. I wasn’t sure if my piece would turn out as nice looking because the chalkpaint is on the cheaper end of the spectrum but it turned out better than I had imagined. I highly recommend the Folkart chalk paint for newbies or for smaller projects because of it price and ease of use. And if you make a mistake, you’re not out that wad of cash you spent on the more expensive kind.

I applied two coats and there is still half a bottle left. I am brainstorming as I write what other projects I could paint with it.

I painted the piece first in “Linen” by Folkart paint (not pictured). I wanted a creamy color peaking through after I distressed the piece. Let that dry and painted a second coat on top of that.

Next came the chalk paint.

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I have never used Annie Sloan chalk paint or any other professional chalk paint so I have nothing to compare it to. This chalk paint is very smooth and dries very quickly! It says it takes a couple of hours to dry between coats but mine dried much faster because I was in a nice toasty room. Applied a second coat to cover up the cream color and waited for it to dry.

Next, I used a really fine grit to sand the edges of the sign. 220 grit, to be exact.

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It’s hard to tell in the above picture but I only sanded the edges to give it depth and dimension. It only took a few strokes to take the chalk paint off to let the cream show through.

Next came the more trickier part.

The words.

I was originally going to free hand the lettering because I have done so many times before buuuut not with paint. So I didn’t trust my hand this time because paint isn’t as forgiving as pencil or actual chalk.

I found this pretty font here and traced it onto the board. I created some guidelines so that the words would be straight. I took off part of the curl on the C because it was too difficult to trace.

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I used a white eraser so as not to leave any pink smudges on my work. I didn’t bother erasing the lines in the letters themselves because I knew the paint would cover them up.

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This part was a little more time-consuming than the rest of it but the sense of accomplishment when you finish is well worth the effort, right? Like when you finish organizing your pantry…oh, just me that feels that way?

Okay, moving on.

I used the same color as the base coat and started painting my letters on it.

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The above picture is the first coat. See, the pencil lines are already covered even with just that one coat.

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And here’s the second coat.

Now comes the part I was most terrified of. The wax coat. I even left the project sitting several days because I didn’t feel up to the task. That, and my children and laundry were calling to be taken care of.

Then I just had to bite the bullet and get on with it.

Again, I haven’t tried the wax from Annie Sloan, or any other wax for that matter, but this seemed to do the trick. For those of you new to chalk painting and such, you need to wax your piece afterwards so all your hard work doesn’t get scratched off. This is what’s called “sealing” your work. If your piece is a going to be in a high traffic area you should seal it with something more heavy duty like a polycrylic. Otherwise a soft wax should be just fine.

I went with a clear wax because I didn’t want it to have that antique look like a brown wax would give because I didn’t think the brown wax would look good over the grey. This Folkart wax is super runny. Very similar to Mod Podge. You need to allow the wax twenty-four hours to dry before your next coat if you want to do two. When it is dry it feels very smooth. The bottle says you can buff it with a rag and that it can be washed with soap and water, which is good to know because I want to hang this in the kitchen where food could potentially get splattered on it.

Time to add the hardware.

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Lay your work on a towel (or an old t-shirt of your husband’s) so your work doesn’t get scratched and draw a long line across the back so your hanging hooks will be lined up. To keep these little babies from moving around while you hammer in the nails just put a little piece of tape across the top of it. Now you’re free to hammer away.

I put two hanging hooks on the back because I wanted it to be extra secure.

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This is the hook size I used. The 1 1/4 inch measurement is the length of the hook not including the screw thread. Make sure to bring the cup you will be hanging on your board with you to the hardware store or measure the width of the coffee cup handle because the first hooks I bought were too small and I had to take them back. Your local Ace Hardware store will most likely carry these or you can get them here.

Flip your piece over and add the hooks. I spaced mine about 3 1/2 inches apart. I estimated this spacing by placing the cups in a hanging fashion next to the work to see how far apart I would need to space them so they didn’t knock into each other.

These little hooks hold up to 20 lbs! Do you hear that? That is the sound of my heart beating thinking about how much coffee a cup that big would hold!

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Ahem.

Any who! These hooks are fairly easy to screw in. Just apply a small amount of pressure and twist at the same time and the hook should screw in smoothly.

And now, the piece de resistance…

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Aren’t these little espresso cups adorable? These cups are from Starbucks but I don’t think they make this kind anymore. There are very similar ones here. My son loves drinking hot chocolate out of these and pretends that he is drinking coffee like mommy and daddy. The cups only hold 3 ounces so I don’t feel bad about giving him that little of hot chocolate.

Well, there you have it folks!

What chalk paint projects have you been dying to try but have been too intimidated to start? I would love to hear from you!