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My Goals: Financial Goal App

Give meaning to your money by attaching your goals and dreams with monetary savings.

Photo of Andrea Zelenak
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Who is your idea designed for and how does it support the dreams and obligations of those 50 and older?

At age 50 and older, people begin reflecting on how their life has been spent and what they want for their future. They want to make sure their time on earth was meaningful. This feeling can be overwhelming. This app will put the power back into the hands of the individual to make his or her dreams a reality. "My Goals" provides an individual a tangible opportunity to make his or her dreams a reality, regardless of financial circumstances.
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WIREFRAMES:
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Goal:  

An app that is attached to your bank account, helping you save money for goals, dreams and bucket list items. 

Delayed gratification makes saving money pretty boring. In today's day and age, we like instant gratification. We'd rather buy something small now, then save up for the future. If every dollar you saved went towards a tangible goal/dream, you'd be less likely to spend $4 on coffee, and more likely to save for that trip you've been waiting for. 



Organization:

This is a phone application that can be connected to a bank account, credit or debit card and could be an additional feature to a credit union, credit card or bank app.

  • Your account would be connected to show trends in your spending in order to help you better save for the future and your goals.
  • In addition, it would encourage users to use their credit, debit and bank accounts for purchases towards goals.



Dreams & Goals:
 

You can set goals for the upcoming years, saving money for the future instead of just retirement

  • Having goals ranging from one year to 20 years can help you save and work towards things that aren't so far away



Money saving tips: 

The application will give suggestions such as "Grocery shopping sales usually start on Wednesday" or "If you eliminate eating out twice each month, you could save X number of dollars."

  • For items like plane tickets, price alerts can be given when a fare is likely to increase or decrease.
  • Trends in your spending can illustrate to the user needs vs. wants in order to show potential cost savings."


notifications:

You can provide your notifications to remind you to save money throughout the week. 

  • In the example above, Sandy sets a reminder to make coffee in the morning so she doesn't have to buy it at work. 
  • Later, Sandy will be asked if she had made coffee in the morning or not. If she didn't buy the coffee, she can add $2.00 to her goal.
  • These notifications will hold users accountable if they are saving like they intended.
  • Creating habits of saving can help users save money for years and years to come.


Ads and Group Rates: 

Advertisements would be tailored to goals. In addition, credit unions, credit cards, and banks can offer group discounts if they find a trend in goals. This would motivate users to purchase goals with their accounts or cards connected to the app. 

  • An example in Sandy's case would be her trip to Italy. Group rates could be negotiated with an airline and given to everyone using the application who is purchasing a flight to Italy. 
  • More partnerships and connections will be established over time.


Savings and Goals:  

This would give an opportunity for an individual to decide how much more money they'd be willing to save in a week or period, or how much they'd like to cut their budget.

  • This number would calculate how long it would take to achieve the intended goal.  Ex: "If you save $10 a week, you'll save $520 for your plane ticket in a year ".
  • Suggestions would be given to help others achieve their goals.


Personal: 

Your personal profile would show the percentage you are at in reaching your goals, in addition, gives the motivation to save money.

  • Mood Board: Each goal is tied Pinterest or mood board to help you get excited about your trip or purchase, making your goal seem more visual and real.


What early, lightweight experiment might you try out in your own community to find out if the idea will meet your expectations?

I created a prototype with the current app, Venmo. I had some of my friends send themselves money for every purchase they didn't make. The prototype: https://docs.google.com/document/d/1YZ0hpmZ27yjW_GPaK6NLYR7k2EztLX0c4Ng_iN33-Mc/edit?usp=sharing

What skills, input or guidance from the OpenIDEO community would be most helpful in building out or refining your idea?

I would love feedback from looking at the wireframes. Not every single frame is in place, but I would love input on features and motivations that could be added to the application. In addition, others can try the prototype and see if this way of saving money works for them.

Tell us about your work experience:

I'm a humanitarian product designer and part of OpenIDEO Detroit chapter! I do graphic design on the side and started my own small business, Inkcourage.

Please check all that apply:

  • I'm currently a member of a credit union

This idea emerged from

  • A group brainstorm

How would you describe this idea while in an elevator with someone?

A phone application that helps you save money for goals, dreams and bucket list items. For example, if I was saving up to go to Hawaii, I would have a Pinterest/mood board of Hawaii, get tips on saving money, and create notifications for myself to spend less money on items I do not need. The idea is based on instant gratification; putting meaning to money by saving for dreams and goals.

How might your idea be transferable to a large number of people?

The application will be available for purchase on all phones. If people are contributing to the same goal, group discounts will be given and organized by credit unions and banks.

How do you plan to measure the impact of your idea?

A comparison of savings will be made between a group who has used the app and who hasn't to see who has been able to save more money for their goal or dream. In addition, spending trends will be shown within an account or card. These trends will show if an impact has been made in spending.

What are your immediate next steps after the challenge?

1. Get as much feedback as possible to edit the idea. 2. Edit all wireframes and get additional feedback. 3. Create a working prototype with a developer. 4. Get feedback from users. 5. Edit the prototype with a developer and continue until the idea is strong, editing graphics as well. 6. Find a credit card company, bank or credit union that would give input on the idea and see if they would like to make it into reality.

49 comments

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Photo of Davis Carlos
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Photo of Kate Rushton
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Hi Andrea!

I quickly produced a Pinterest board for my goals - https://uk.pinterest.com/krusht/my-goals/

Is this what you had in mind? I had a lot of fun making it. 

Spam
Photo of Andrea Zelenak
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Yeah! That's awesome! I was thinking from there you could make a mood board for your next step/chosen goal. So for greenland, you'd start posting all the things you'd like to go there to make it more real!

But that's awesome! I definitely need to start this with some more people! 

Spam
Photo of Bettina Fliegel
Team

Hi Andrea.
I think it would be great to suggest via the app making these boards by hand - cutting and pasting - as another option. Maybe provide a link to a video, or an article on how to do this? I know I would prefer to create something, maybe adding to it overtime, with found images, and keeping it in a space at home as a visual reminder of goals.
Also, maybe the app has a way to share these boards within the community - whether it is a pinterest board, or a photo of a hand made one?

Spam
Photo of Bettina Fliegel
Team

Hi Andrea.
Would it be possible for users to create push notifications that they write themselves, notifying them, alerting them, reminding them, on ways to save money - or ways not to waste money - on a daily basis? For example - Could I send myself a message on Tuesday night and early Wed. am that says "Remember, you promised yourself that you would make a sandwich and take it to work on Wednesdays for lunch. Save $8.00/ week - $32.00 / month. That new computer is waiting for you!" Something like that?

(What updates did you do? I just got an email that you Updated the post.)

Spam
Photo of Andrea Zelenak
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Sorry for all of the notifications! Partly my bad internet and partly I'm just adding a few at a time!

Yes! Definitely! After your comment, I added that to my journey map! So, the journey map is what I added and just edited a few details. The reminders are perfect though, especially if you remind yourself in the morning to make lunch or something to prevent you from spending later!

ALSO, I have a new way of prototyping I will add to here if you're interested in trying it!

Spam
Photo of Bettina Fliegel
Team

Hi Andrea.
I like how you are incorporated different aspects of the app into the user journey! One question I had from the scenario is whether this app is for CU members only, to be available as a benefit of CU membership?

Another thought was about the use of language in describing how this works to help one attain their dreams. When I think about saving money, sometimes I think about how I waste money. Would I be more motivated if I focused on the idea of using a coupon for example, so I don't waste my money vs. thinking of it as saving money? I am just thinking how wording might be effect my actions.

Spam
Photo of Andrea Zelenak
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The language is a really good point! Waste money is a really good point since the key is not spending money where you don't need to!

One of the the things I wrote down as a "question" in the refinement package was that same question, if it would only be for credit unions. I picture it being something that multiple banks could participate in or sign up for. Since Sandy is telling her friend, if sandy didn't have an account at a certain credit union she wouldn't be able to use it. It could be something anyone could sign up for? I was thinking of how to tie in banks. What do you think?

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Photo of Andrea Zelenak
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Also, thank you! I really appreciate all of your input.

Spam
Photo of Bettina Fliegel
Team

Andrea,
Hi. Regarding your question - I am not sure if you should consider this as a product only for the CU community. I do think that having their own products focused on their customers might be part of how they can best market to them. On the other hand I can see this product benefiting customers in the target group who are not CU customers.

Happy to collaborate!

Spam
Photo of lorain hamilton
Team

Kate thats a cool idea.

Spam
Photo of Bettina Fliegel
Team

Hi Andrea.
The final updates look great. I can see how the user experience might work based on the graphics you posted. I was looking up stats on social media use for this age group. Facebook is highest, Pinterest is between 16 and 28% ( between age 65 and 50). Would there be a way to develop the App so that photos can be uploaded directly to the App for those not into using Pinterest itself? Not sure how it this might work.

I was also thinking that some users might enjoy sharing photos on the App as they reach their goals - whether it is a new purchase, or an experience. (photos from their vacation etc.) How might that work? Could there be a hashtag created that members could link images to to share with the community?

Social Media Usage Research Paper : http://www.pewinternet.org/2016/11/11/social-media-update-2016/

Spam
Photo of Evita
Team

Hello Andrea! I like this app idea and how it is personalized. I feel that individual stories could add a personalized/community feel to the app. And what if it was called my "flow" instead of my "goals." Reading a book called "The Soul of Money" right now so hope some of the ideas below could help your app idea!

suggestion: What if you partnered with the author Lynne Twist in creating this app?

The 80/20 flow approach:

This suggestion combines some ideas from a book, with concepts from design and journalism to come up with personalized "flow" plans for individuals 50-65. It provides a different lens for an individual too see their money while energizing a credit union community.

The book called "The Soul of Money" approaches money from a lens of sufficiency vs. scarcity. What a credit union would need to do - or the program service they could provide - is help the flow of money match an individual's highest commitments. At 50, security could be the biggest deal and a program that answers the question, "Will I have enough for..." would be the likely service.

However, what if the program/app helped direct the flow of money to address that need, but then also offered the opportunity to think about watering and supporting the seeds of growth that resonate most in an individual's mind.

What if the credit union customized an individual's life story into a savings plan, having "modules" of services to support goals from the standpoint of "I have/will have enough."

The point would be to energize the flow of some money instead of just saving all of it for a rainy day.

I'm also reading a book called "Universal Principles of Design." One of the first pages is the book is the 80/20 rule. What if the program took 80% of savings to address the economic sides for an individual's story/fears - then took the other 20% of it towards acting on their highest commitments, hopes, dreams and what they envision for their life.

I think a 50-yr-old, after being able to understand their story more through a vision board from the app, could approach the allocation of funds from an 80/20 perspective. They would leave the app feeling like there was no cookie cutter approach to their savings - and it would be a very personalized experience.

The individual then invests in the credit union program/app, while the credit union invests in the individual's story.

Because a credit union is tied into the community, imagine the rich tapestry of stories that could add to the mold of its place in the community. It could be an opportunity to celebrate lives. We hear stories of successful businesses and entrepreneurs much of the time - what about these everyday stories - and those of the individual?

It's very local and I think people would be able to relate. A section of the app could include individual stories or vision boards as a samples so that people can view modules that they'd like to use from real-life examples. Amounts wouldn't be necessary to reveal, just percentages allocated according to each individual's aspirations and life commitments.

The patterns from these stories could also be used to refine modules as well.

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Photo of lorain hamilton
Team

The UX/UI of the app is quite user-friendly and visually compelling however the entire idea is brilliant. Conveying a financial goal through the usage of imagery not only draws the user in make the goals seem more attainable and sort of tactile. I would love to partake in this idea, as a graphic designer and aide in putting this idea into fruition. If you need any helping hands please contact me at info@lorainhamilton.com,

Spam
Photo of Andrea Zelenak
Team

Hi Lorain! Thank you for your input! If you'd like to participate in the prototype, feel free to follow this link https://docs.google.com/document/d/1YZ0hpmZ27yjW_GPaK6NLYR7k2EztLX0c4Ng_iN33-Mc/edit?usp=sharing Here' .

Otherwise, I will definitely contact you about graphic design if we need it! Thank you!

Spam
Photo of Andrea Zelenak
Team

Here is a survey if you were able to complete the prototype! Thank you!
https://docs.google.com/forms/d/e/1FAIpQLSf1i8hluS49jwS2t5nrwo9LcgJT54uP4PMz3fF40m2JxoCfZA/viewform

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Photo of Rosen Petkov
Team

Interesting idea, very similar to some of my colleagues and I really like it. During my research however I found out that people aged 50 and over are paranoid about connecting their savings or other apps with their bank accounts. I think this will work for people 50 and over who are familiar with phones, but the older generation might do with a physical version, one that doesn't directly connect to their bank :)

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Photo of Huw morgan
Team

Hey Andrea,

I really like this idea, think a lot of hard work has gone into this, and I think it really shows, I was wondering if anyone who has a pinterest would be able to do it and if you are thinking about pairing it with other social medias so you can share your progress if you wanted to?

Huw

Spam
Photo of Andrea Sánchez
Team

Hi Andrea!

I really like your project!
The fact that we could make a competition between our friends sounds really interesting, because when we "compete" with our friends for making a trip, you are much more motivated to save money, so you can achieve your goals faster!
And if you have the information how about people around you is saving their money you will have more ideas to your own savings!
I only have a question... You said that for items like plane tickets, we could be advised about when is going to be more expensive or cheaper, how are you going to be able to know that?

Ah! And something more! I have a pinterest board of my trip goals as well, here you have it!
https://es.pinterest.com/andreasv1395/sitios-donde-ir/

PS: Congratulations!! You have made a great project!

Spam
Photo of Catherine John
Team

Hi Andrea,

This idea sounds great, as this generation has many new technologies developing around us its very suitable. I like how you can make a great game with friends on who would save money faster as well as connecting it to an existing media, Pinterest, which is very well known.

Spam
Photo of Andrea Zelenak
Team

Thank you, Catherine! If you'd like to participate in my prototype and start saving money for your goals, please let me know! I will be posting it soon!

Spam
Photo of Jared Byrne
Team

Andrea,

I saw your question asking if the social aspect would be beneficial, and I think it would add a real dynamic (and potential value for your app in the future). I saw the discussion you had around getting groups to target travel and events - and I think that businesses could also sponsor group/collaborative targets. I can think of a lot of airlines or hotels, etc. etc. etc. who would be interested in saying, 'if 10 people save this amount to come to Hawaii, we will give a discount if you stay at our hotel). That way it not only helps people to put money away, but may also help to save them money (while businesses can get more promotion and customers into their businesses). Maybe some businesses could even post events, and say if 'x' number of people register for this goal, we will charge this amount?
I think this idea is really cool. Thank-you.

Spam
Photo of Andrea Zelenak
Team

Awesome! Thanks Jared B !

I wasn't completely sold on the social concept so that helps.

And the group-buy idea is awesome! I think that's how groupon works so that's perfect. I'll have to look into that more. I'm all for saving money so these ideas are really helpful. Honestly, they could even post ads on the app, which isn't normally ideal, but if it's connected towards a flight or hotel it could be helpful. How do you feel about ads?

Suggesting goals or destinations based on where other people travel might be helpful and could contribute to the "group-coupon".

Thank you so much for your input! I was hoping for some feedback!

Spam
Photo of Kate Rushton
Team

Hi Andrea!

I love the graphics! Have you seen @Bought By Many
(Example of Crowdsourcing in Fintech)
 ? Could this be a way of using the crowd to get a discount?

Spam
Photo of Jared Byrne
Team

Andrea, you could really take this in almost any direction! I think it would be really cool (as a social approach) to see what other connections of your are choosing [which would give some people ideas of what might be fun). The idea, like Netflix, of filling out your likes (or connections) and then getting suggestions might be fun.

The only challenge is that your idea is REALLY good, and you want to be careful not to do too much at the start. I think you can build and grow into some of these things if you have a solid platform to launch and grow from.

Spam
Photo of Andrea Zelenak
Team

Jared B That's really good advice! I agree, keeping it simpler at the beginning will make it simpler for people to use as well! Thanks again for your help! If you think of anything else please let me know.

Spam
Photo of Andrea Zelenak
Team

Thanks Kate Rushton ! That's awesome! I don't know if this would be changing the idea too much, but honestly, it could be a social thing for people of a certain age to go on these group trips as well. So many great things to think about!

Spam
Photo of Kate Rushton
Team

Yes, I probably got a bit carried away. I agree with Jared B keep things as simple and straightforward for now. :-)

Spam
Photo of Bettina Fliegel
Team

Hi Andrea.
Great updates! One thing I might think about is how to keep the user interface simple, easy to read and interact with particularly since the app is on a phone, which has a small screen. Have you thought about making the app compatible with a tablet device?
Kate Rushton was there a post in the research phase about a UK bank that redesigned their website with older adults in mind?

Spam
Photo of Kate Rushton
Team

Hi Bettina!

Thanks for the mention.

Is it the Simple Bank Online - an online bank with no physical branches and an emphasis on safety, good design, and saving?

There is also Samsung S4 Considers Elderly and Offers "EASY Mode" ?

Spam
Photo of Bettina Fliegel
Team

Thanks Kate.
I am not sure what I was remembering but I just checked out Samsung "Easy Mode" and this is a great example to look at for ideas for the 50+ group!

I saw Simple before and also thought it was a good inspiration for Andrea's idea here. I linked it below in a comment previously! Thanks Kate!

Spam
Photo of OpenIDEO
Team

Congrats on this being today's Featured Contribution!

Spam
Photo of Naman Mandhan
Team

Hi Andrea!

I LOVE THIS IDEA!

I saw a couple of your questions and just wanted to offer my perspective on them.

To add to what you already have and offer a slightly different perspective, I think that this app could also have incentives in the form of charitable donations. For example, if you saved $10 in a week, a sponsor (bank or company) will match 50% of those savings and donate it to a charity of your choice. Or if a group of people are saving money to go to a missions trip, a certain percentage of the savings could be matched by a sponsor and donated toward the cause.

Just a thought!

Excited to see how your preliminary spreadsheet turns out! I've been meaning to create one for myself for a while so I'd definitely love to see this being implemented!

Spam
Photo of Andrea Zelenak
Team

Hey Naman!

Yeah that's a great idea! I think donations to non-profits will look good on credit unions, especially since they're all about community. Maybe if they post about it on social media or somehow promote the credit unions, they can give a donation as well.

And yes to the spreadsheet! I would love to take this back to our chapter. I hardly ever spend any money, and my family members are really cheap as well. I need to get more people in the loop so it's a more accurate representation!

Spam
Photo of OpenIDEO
Team

Welcome to the Refinement phase Andrea! We've added new Refinement questions to your original submission that we'd love for you to answer. Please check out the Refinement Phase Toolkit for instructions on how to answer the new questions and other recommendations we encourage all idea teams to consider in the upcoming weeks.

Refinement Phase Toolkit: http://ideo.pn/2du9sf7

Lastly, here's a useful tip: When you update the content of your post, it'd be helpful to indicate this in your idea title by adding an extension. For example, you can add the extension " - Update: Experience Maps 12/21" to you idea title. This will be a good way to keep people informed about how your idea is progressing!

Spam
Photo of Kate Rushton
Team

Hi Andrea!

I look forward to seeing how this idea develops in the refinement phase.

Spam
Photo of Andrea Zelenak
Team

Thanks, Kate! The Detroit chapter is excited to refine our ideas!

Spam
Photo of Malavika Balachandran
Team

I really love this idea! In my own idea, I wanted to incorporate the concept of saving towards goals (like those mentioned above), while also keeping an eye on the wealth and income of the individual and their other financial obligations. I think there are many ways in which our ideas overlap! 

My idea: https://challenges.openideo.com/challenge/financial-longevity/ideas/roboadvisor-geared-to-the-50-investor

Spam
Photo of Bettina Fliegel
Team

Hi Andrea.
I just learned of "Simple"  https://www.simple.com.   Freddy Shimabukuro  mentioned it in a comment on his idea post.  https://challenges.openideo.com/challenge/financial-longevity/ideas/all-generation-friendly-atm/comments#!c-62c237e40c008cda8c221a4d1231f790  
When I have time I am going to read further.  It looks like a great tool to learn to save towards goals.  Might be learnings here for your idea?

Spam
Photo of Kate Rushton
Team

Hi Ange!

This is a great idea! I am happy to see it posted in the ideas phase. 

It would be interesting to know how many of our purchases are really habits e.g. buying a coffee. Do people buy a morning coffee at the same time and at the same location? Then you could set push notifications 10 to 15 minutes before these times. 

I really like the idea of shared goal settings. It reminds me of this post in the research phase - https://challenges.openideo.com/challenge/financial-longevity/research/the-right-kind-of-post-retirement-bucket-lists- on how "retirement goals that involve connections to family, friends and community have shown to make seniors happier than the temporary satisfaction of exotic thrills". 

It would be great to get some feedback from the 50-65-year-old demographic on your idea in terms of what are their immediate, mid-term and long-term goals and how could you make your idea best work for them. 

What would be the best way to get the feedback you need from this demographic?

Spam
Photo of Andrea Zelenak
Team

Kate, 

Those are really great points. I know a lot of people who have habits of going to the same coffee place, buying the same lunch or even studying at the same spots. I will definitely look into if there are any statistics on that. 

I spoke to my parents and my aunts who are in demographic of 50+ and it's interesting, their goals were a little bit different than I thought. I thought they'd want to travel a lot more, like the people I interviewed. My mom wanted a new computer, wanted to make renovations in her house (still goals) that could be added to this, my dad always wanted to go to a UCLA football game, my aunt wants to go to Disney with her grandkids. I can definitely use these prototypes to move it forward and find out how this would better help each individual! 

Spam
Photo of Naman Mandhan
Team

I love this idea! I think instant gratification through proximity towards goal achievement is definitely something that makes it a lot easier to realize how your decisions will affect future outcomes. I also love the idea of pinning goals on Pinterest or a mood board to bring out the emotional dimension, which can help make this a lot more effective.

I'd love to hear more about your experiments with saving money in a jar! Definitely something I'd like to try as well!

Spam
Photo of OpenIDEO
Team

Congrats on this being today's Featured Contribution!

Spam
Photo of Bettina Fliegel
Team

Hi Ange!
Great to see your idea posted!  A few thoughts/questions….
How do you differentiate between the "savings" and the "goal" accounts?  What do you envision the savings account being for?

I like the idea of the competition which feels like an opportunity to bring friends together to help nudge each other towards goals.  What if they also competed on thinking of creative ways to save, which ultimately could help everyone in their circle?
Might the app also have a calculator which can have a numerical and visual component so that they might see actions and savings over time?  So if the idea of not buying a coffee daily is too much for someone maybe they cut back to a medium, instead of a large, and they can see what the difference looks like in terms of a goal, over the course of a year?  

One thought I had is that saving for a goal/dream might also help one save for their future in general, or an emergency fund.  If one could see both grow simultaneously they might feel confident that their dream could be realized because they would not need to draw from their "trip fund" when a crisis happens.  Thoughts?

Spam
Photo of Andrea Zelenak
Team

I was thinking this would be tied to a bank account, so it would be attached to your savings account or something like a secondary app. 

Yes, I completely agree on seeing the savings and how it would change your goal! I can picture like a graph or something updated as you change your budget. But that's a great idea, I can think about how that would look and feel more. 

I think if they create a habit of saving, like some of the other posts mentioned, it might reflect in the rest of their savings. But maybe, once a goal is achieved, it continues to help you save regardless. I think having tips on saving besides your dream/goal fund would be good too. Maybe if it suggested articles too or podcasts by Suze Orman for saving for your future. That image came to my mind in the movie UP where they had the trip fund they had to keep breaking open to repair their house or whatever for emergencies which is so true that we put off things, so I agree still regular savings need to happen to be fully secure. 

Spam
Photo of Anne-Laure Fayard
Team

Hi Ange Zelenak nice idea. I like how you build upon the idea of delayed vs. instant gratification.

You might want to check these 2 other ideas which aim to also make savings easier by turning them in achievable, goal-focused activities. 

https://challenges.openideo.com/challenge/financial-longevity/ideas/interest-driven-savings
https://challenges.openideo.com/challenge/financial-longevity/ideas/gamifying-saving

Your reference to the jar also reminded me of the Keep the Change program started by Bank of America about 10 years ago (see for example http://www.bloomberg.com/news/articles/2006-06-18/case-study-bank-of-america). It might be interesting to find out how successful it really was or not. 

For the prototype, you could definitely ask 2 of your friends what would be something they would want to do by the end of the year and see if they could start putting a small amount aside (your coffee example works). You could also try to sketch quickly the experience journey of someone who would be using the service you are envisioning and take them through it and take notes of their questions, reactions and suggestions. 

Spam
Photo of Andrea Zelenak
Team

Both of those ideas have a similar idea of trying to create habits of savings. The Bank of America article is really cool, I'll have to do more research on it, but the rounding up of purchases for savings is pretty smart and secret way of saving money.

Yeah, that prototype could definitely work! I could have some of my friends just keep track on their phones of their savings. Yeah, I'd definitely be curious to see if my friends would use this or if it would help, I was thinking about them when doing this. I could do a few age groups and compare the questions, see if it makes a difference for those 50 and older or younger too! 

Spam
Photo of Jesus Vargas
Team

Hi Ange,

I think this is a great idea and very useful tool. What do you think about put a goal calculator to visualiazing the goal and evolve each time people put money in their goal account that make it more tangible, also use a alerts to each week to reminder people they must make his weekly or monthly saving. The idea to create a challenge between people to achive they goals are nice but I think so could be great also have a collaboration goal section, then friends, couples or families can contribute to accompish a common goal.

Spam
Photo of Andrea Zelenak
Team

Yes! Great idea. I think helping create a goal is a good idea. So, having suggestions like if you save ___ a month, you'll have enough to buy ____ by the end of the year? I like the notifications and alerts as a reminder to check up on people. 

Yeah, I wasn't sure on the collaboration but I'm glad to hear you can see it happening together as a group of people and a common goal. I can definitely see a group goal for a trip, a family item or friends participate in. Thank you for all of the great ideas.. I'll have to update it!