Popular wisdom once said that a new habit takes 21 days to become a permanent fixture in life.But according to one newer study, its actually closer to 66 days.Im on a quest to find some powerful apps that will allow me to build a positive savings habit.If you have some bad spending habits you want to track down and eliminate, theres help out there.Since there are apps for everything, you can train yourself for free with savings apps that will encourage you on your road to financial freedom.Lets look at these seven iPhone apps that encourage and track positive money saving habits for your life.SEE ALSO:An entrepreneur who now earns 6 figures shares the career advice he wishes he'd had in his pizza delivery daysDON'T MISS:10 ways to improve yourself for $100 or lessTip yourselfiOSTip Yourself is a savings app designed to motivate you to set aside money when you reach your lifes goals, big or small. The developers of Tip Yourself have created a community of like-minded savers who want to encourage others to do the same. Tip Yourself users literally tip themselves with small dollar amounts each time they feel like it.Skip Starbucks and drink the coffee you had at home' Put some money in the tip jar. Pack a lunch instead of eating out at work' Thats reason to celebrate. Tip Yourself harnesses the power of positive reinforcement, encouraging you to save money for a higher purpose and help others do the same.To set-up a profile, youll have to enter some online banking information, confirm the account, and then youre on your way. Savers get an electronic Tip Jar to fill with deposits that you can easily track over time via a handy calendar view. Each day that you tip yourself, youll see that date turn green in the calendar view.View your tips in several categories to see how youre doingaverage tips per week, average tip, highest tip, and total amount. Pre-set amounts are $2, $5 and $10, but you can donate any other amount from $1 up. After you select your tip you can shout to the world that youve saved money!The money you save is stored in the online tip jar (encrypted and FDIC insured) and then returned to you when you want to use the money. Canceling your account will withdraw all tips from your tip jar and return them to the account from which they were withdrawn.Likes: The community. Be encouraged by others and pay that same encouragement forward. Users can give props and leave comments for other savers around the globe. Having partners in saving increases accountability, and you can invite friends from your Contacts and Facebook account.Dislikes: Flexibility. To change your bank information, youre required to email the support email address at Tip Yourself.iMoneyLoveriOSA simple piggy bank app, iMoneyLover requires no bank account information for setup and offers a customizable savings goal creator. Set your Goals Name, Amount to Save, Currency Name (great for those saving other than $), and the time frame for when you want your goal accomplished. You can activate daily notifications to remind you to feed the pig and when you complete your goal, reset your data and start a new one.Likes: Simplicity of use. Feed this pig and hell tell you hes full for the day and to come back tomorrow.Dislikes: This app is free but an advertisement bar appears at the bottom. Theres no way to track your savings goals over time, as MoneyLover will only keep one goal active and visible.Money BoxiOSThe Money Box app is a step up from other electronic piggy banks that will help you create that positive savings habit. Users can track goals throughout their lifetime, sort by due date or alphabetically, and even add their own pictures (or stock icons) to help visualize each goal.I was able to set my master currency to USD, but global savers can choose anywhere from the Hungarian Forint to the Chinese Yen. You can add a Facebook or Twitter handle and activate sharing for Creating, Achieving, Contributing, and reaching a Milestone goal.To create a goal, youll select a photo/icon and enter the title of the goal. Choose your target amount, currency, and target date. While not connected to your real bank account, theres an option to name your savings account. Like other electronic piggy banks, youre responsible for creating your own separate savings account to fund your goals. Finally, youre able to set how often you want to save for this goal: Daily, Weekly, Bi-Weekly, and Monthly.Likes: Customizable options and visualization tools, like adding a photo. Then track the goal status with color-coded bars and percentages. This makes for a subtle-yet-powerful motivator to save.Dislikes: Inability to link a bank account. Coupled with the power of the visualization, being able to transfer money with one touch of a button on this app would make it more powerful on the road to building positive savings habits.See the rest of the story at Business Insider
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