Several banks and apps offer programs that automatically round up purchases and save the change. "Those are all good, painless ways to save money," Hill says. Bank of America customers can enroll their debit card in the Keep the Change program. It rounds up purchase prices to the nearest dollar and transfers the change from a checking to savings account automatically. The app Acorns works in a similar way except that it invests the change in an investment portfolio or IRA. The basic Acorns service costs $1 a month. However, customers can get access to an IRA for $2 a month or add a checking account for $3 a month. 2. Certificates of deposit (CDs) 4. Online courses
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