$25

@VaderTator + Qapital

I use Qapital like a digital envelope system. It's a good way to automate your money and save up and set goals. For example, my wife and I knew we were having a baby, so we started a goal for $2,000 just to help cushion the cost of when our son would be born. I set it to round up from every purchase we make and we ended up saving a little bit at a time and completed our goal before he was born. Then we used the debit card from Qapital and our bank never saw the large transaction. I like using it for automatically saving 10% of our paychecks to a Giving Fund and 10% to a Debt Payoff fund. We'll also use it to save for vacations or shopping sprees. You can also get creative and reward yourself for working out by using IFTTT.