Our bank offers a "Keep the Change" program. A painless way to save $. Every time you use your debit card, the bank rounds it up to the next higher dollar. Works great, and it goes directly into your savings account.
We live in a rural area in Northern California, every few months we need to go to San Francisco area for a medical appt, about 5-6 hours away. The "keep the change" savings on my debit card is earmarked for the luxury (for me, not my daughter, who's age makes her invincible ha ha) of getting a motel rather than dealing with the stress of doctor visit plus10-12 hour travel in one day. I never miss it! BUT I pay $4 a month fee for the privilege now, since June or so with new bank fee schedules. Still worth it, I think, haven't done a recent analysis, too many other financial fish to fry. Hard to keep on top of it all. ~L
I have been with Bank of America for 4 years and have used the Keep The Change program all that time. The FIRST 3 months they will match your savings 100%. After that it is a much smaller percentage but I love the idea of the change going into my savings. I never carry money; always use my debit card. It adds up and you don't miss it.
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