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Want my DIGIT?

Updated June 14, 2020

I am over the moon excited to share with everyone that in April 2021, I will be traveling to Cuba for the first time! This decision came after I found cheap flights one night and realized I had enough money saved through an app I am about to share with y'all to cover the flights and Airbnb. It just seemed like a sign to go ahead and purchase the tickets without thinking twice.

The app I am referring too is called Digit. It's an app I have been using for almost 4 years now and happy my friend introduced it to me back then. It allows me to save without knowing I am saving and often I go months without even thinking about the account. Now before you start rolling your eyes thinking this all sounds like a scam, I promise you won't be disappointed.

This link provided is an affiliate link and I may gain commission from you purchasing from these affiliate links.

Digit helps me save by the app linking to one of my bank accounts that I decide to allow Digit to automatically transfer from that bank account into the Digit account. I do not have to transfer the money myself weekly or set up automatic transfers and love how easy and simple it is to use and save! Next, I am going to break down how this app works in more detail, so you get a better understanding of this app.

Digit will monitor your spending habits and watches for trends and patterns when it comes to your bank account that you linked up too. Transfers can happen throughout the week when the banks are open. (Transfers don't occur on bank observed holidays.) The amount that is transferred will vary each day which I explain a little later in this blog.

Now, you don't receive a debit card for Digit, but to get the money out of the account, simply transfer it back into the account it is linked too. If you don't need the money ASAP, it is free to transfer the money back and receive the money within a few business days. (2-3 days except for bank observed holidays.) If you are someone who doesn't want to pay the .99, then you can have the money transferred back in a few days which may help many people by never wanting to touch that money. That's how I started when using the app and with knowing it would be a few days, I never wanted to transfer out and let it continue to grow and build.

But if you need or in my case want the money ASAP, it will cost .99 to transfer the money back right then. To me, I don't mind the small "fee" because the app does wonders for me and allowing me to save for traveling. I can't let .99 hold me back from seeing someplace new! Also, when I find cheap flights, I tend to think these tickets will be gone if I think about purchasing them, so I want to jump on them right then.

For anyone wondering why I don't just use a savings account at the bank, I save through the bank too. I am all about saving any way I can and that having multiple ways of saving can only benefit me in the long run.

So that is how the app works in general, but I also want to break down how the transfers from your linked account to the Digit account works/looks like. Please know, it doesn't transfer unless you can afford it. Meaning it learns your habits so well that when it does do a transfer, you don't notice! I never know when my transfers occur and able to pay all my bills and have a spending habit still. :) (Digit has a feature where you can cut the transfers off if your bank account reaches a certain limit, so it can never overdraft your bank account.)

At first, Digit will transfer a few cents from your linked bank account over to this Digit account and I am talking like .10 or.50, nothing over a $1.00. Once it knows your trends and patterns after a few weeks, the transfer amounts begin to pick up over time. The highest I have ever seen transferred over from my bank account was around $32.00. The reason for the high amount being transferred was that it was after tax season and that money was just sitting in my bank account. (I am learning not to blow my tax money on cheap flights I find, but that's another story.)

But before it can start transferring money, you have to set goals up. (Screenshot below)

I currently have 4 different goals set up which all allowed me to set different goal amounts and end dates for when I should have my goal accomplished. (I have updated my goals since the last time I edited this blog.) So, I have…

Rainy Day: This is, of course, the one I touch when I need too. It's always nice to have some sort of rainy day account because you never know when life is going to hit you in the face. Just saying. Or when I find some good tickets and short a few dollars.

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Flights: This is a newer goal for me and one I set up during my quarantine period. The purpose was that when traveling restrictions started to lift, I would have enough money saved to buy whatever tickets I found. So this goal is a "just in case I find a steal" kind of goal.

Leylah Trip: My daughter has been wanting to travel more since she sees how much I enjoy it and getting older. At first, she wasn't on board with traveling on a plane and then started to prefer flights that were under 3 hour or less flight time. Her birthday is in November and we would love to take Leylah somewhere for her 9th birthday. This goal is to pay for the flights on this trip.

Aruba: This is another newer goal as I recently purchased tickets to Aruba! (I have a few blogs coming out about this trip, so stay tuned!) This goal has the purpose of being backup funds for anything I need/want while in Aruba. Typically, I spend my Digit money on expenses that come up at the airport or before departing the destination. Last-minute trinkets to buy in the airport for friends and family back home.

(Not a reflection of my Digit App)

Now let’s break down the amounts by looking at one of my goals. Keep in mind I have several goals set up and the amounts may be lower than having one or two goals set.

Date/Transfer Amounts for my Rainy Day goal:

  • June 1, 2020: $8.50

  • June 2, 2020: $0.54

  • June 3, 2020: $0.49

  • June 4, 2020: $0.44

And so forth for this account as well as my other 3 accounts (goals) I have set up.

The app does allow you to “pause” the savings and enter how many days do you want it paused just in case an emergency comes up and you want to stop the transfers. I mean life does happen. It even gives you a “bonus” money which adds up over time. These amounts are lower than a dollar, but its free money! The last few bonuses were in the amounts of 0.98, 0.82, 0.37. It doesn't seem like much, but when you start saving money in every way possible, even if coins, you come up with some serious cash. :)

This link provided is an affiliate link and I may gain commission from you purchasing from these affiliate links.

Y’all believe me when I say this is most definitely a way to save for trips or even an emergency fund. (I know some people who use this app to help make extra payments to reduce their debt.) And to think you never notice the transfers because of how it monitors your spending habits. This app can come in handy for almost anyone!

If you try it out and don’t like it, just close out the goal(s) you have set up and transfer your money back. Then delete the app. BUTTTT give it a try! Seriously! Try it for 3 months and see how you feel after those 3 months. I would suggest not looking at the app for those 3 months too just to be amazed at how much it helped you save without you even knowing it.

I hope you find this blog and app to be as helpful as I find them in my life! Head over to That Travel Deal Facebook page to leave a comment about this week's blog!

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Hello Everyone, my name is Sara Elizabeth and a full-time working mom and a full-time student!

Over the years I have fallen in love with  traveling and exploring the great states of the United States! This passion grew from understanding how to find good deals on airline flights which have been the reason for many of my travel adventures. This journey has led me to find "that travel deal" for domestic and international flights. These are those kinds of deals that have people asking "How did you find them so low?" ...Well, to those asking that question, follow along this adventure of mine to learn my methods for finding that perfect travel deal. 

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