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spare change

No money to invest? Start saving your spare change with easy apps!

You go to the store to buy food, you stop for your morning cup of coffee, you fill up your car with petrol, you order stuff online, you go out to eat and you pay your bills. What do all of these things have in common besides the fact that you’re spending money?

One other thing they have in common is that when you make a purchase or spend money, there’s usually a little bit of change left over. For example, if you spend $4.50 on your morning coffee, you have 50 cents leftover out of $5. Now most people don’t think much about this change - it usually gets spent, but what if you could invest it and grow a portfolio over time?

If you feel like you have no money to invest, let’s explore how you can start saving your spare change with easy apps! Spare change investment apps are currently one of the most talked about pieces of technology in the financial world. How they work is pretty simple:

  1. You find a spare change investment app that you want to use and you install it on your smartphone.
  1. You link a bank account or bank card to your investment account.
  1. You decide whether you want to automatically “round up” your change, or if you want to manually decide which transactions have the spare change invested.
  1. You pick your portfolio type - usually based on how risky of an investor you want to be.
  1. You start investing your spare change either automatically or manually. With manual investments, you simply choose whether or not you want the extra change from each of your transactions to be invested or not.
  1. You watch your money perform in the account as it grows slowly over time!

Right now, there’s currently Acorns Australia and an up-and-coming app called FirstStep to choose from. FirstStep is currently in a public trial testing phase where you have to request early access to the app, with plans to gradually release it to early access users soon.

What’s nice about this type of investment option is that you do not have to invest a lot and the fees are relatively cheap. For example, with Acorns, it costs $1.25 per month for accounts that have a balance of less than $5,000. For accounts with a balance of more than that, you’re charged a small yearly fee.

These types of apps are great for those who do not have a lot of money to invest at once, or who want to have investments made easy for them. Want more money saving tips? Check out our budget travel tips to help you save money on holiday!

Or, if you're in need of some extra cash to cover those unexpected expenses, we offer small online loans $1K-$5K, car loans, business loans, and even bad credit loans for those with some poor credit history. Just apply online today - it's quick and easy!    

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