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The Power of Consistency! The more you Spend, the more you Save - Jar App

October 9, 2021

By Using Jar App you can start your consistent saving journey with the Auto-Investment feature. Now, the more you spend, the more you can save.

Consistency is the key to success. 

We've all heard it. Then why do many people still struggle with being consistent? Ever thought about it?

The reason is simple - The idea of consistency appears simple and tempting on the surface. But it proves to be a test of patience when you try to put it into practise in your daily life.

Consistency creates habits. These habits shape the actions we take on a daily basis. But it's difficult to maintain new habits. Like the new year's resolution of going to the gym or losing weight.

We keep going for a while before the balloon deflates with our enthusiasm. We give up, revert to our old habits. All because our old habits are so deeply embedded in our daily routines. 

"I accumulated small but consistent habits that ultimately led to results that were unimaginable when I started." - said James Clear, author of the best selling book 'Atomic Habits'. 

He's right. Consistency is the difference between where you are and where you want to be. (For real)

Even when it comes to saving money. 

Doesn't matter how much you earn, saving money should be your top priority. Always. More so when you're working with a limited budget.

But it seems like a daunting task to many, especially when you have to do it repeatedly. People are unable to save.

In-fact, they do the opposite. Spending more than they earn. This leaves you with nothing at the end of the month and you're forever stuck in this loop of living on pay-check to pay-check. 

Break this cycle. Start saving today. You've got to start somewhere, right? 

But that's not enough, you know. You may save on occasion, but maintaining a regular strategy can be challenging. You have to be consistent in your efforts to save money. Again, that's the key

If not every month, start with something small, such as saving Rs.10 every day. Simply save it. It may appear to be a small amount, but if you are consistent, it will go a long way.

An early start really matters here. Get going as soon as possible. It provides you a few extra years of compounding - and the larger the savings amount, the more compounding makes a difference. It may help you establish a retirement account over time, which might become a substantial part of your retirement funds. 

Here's what you can do for the head start: 

Determine what you should save

What's the rule of thumb for the amount of money you should set aside every month if you want to be truly successful financially? 10% - 15% of your income. 

Include pay-checks from all sources of income - like side business and freelance projects. This is crucial - creating a financial safety net in case of an emergency, retirement or just to maintain your lifestyle. 

Figure out how much money you can save

When you're initially starting out with a savings strategy, meeting the full objective of 10% of your salary can be difficult. That doesn't mean you should give up completely.

Instead, start with what you can afford and work your way up to the aim as you get your budget in order and become more comfortable with saving money.

Begin by carefully studying your budget to see how much spare money you generally have in your budget after all of your bills and other necessary costs have been paid each month. 

Make sure that you save

Now that you know how much you should save, the next step is to make sure it happens every month. Set financial goals.

Consider your savings like any other financial commitment. Savings is the money you owe yourself, just as you owe money to your mobile provider, utility company, and creditors.

If you can get into the attitude that saving is a monthly commitment that you must meet, it will be easier for you to save consistently.

Automate your savings 

If being consistent and getting into the habit of saving is a struggle for you, automate the process. Yes. Automating your savings is one of the simplest methods to get into the habit of saving.

Simply build up an automated system like Jar app and see your money moving around. It will assist you in adjusting your lifestyle to your 'take home' pay. 

But money in the bank is useless. It's not growing. It's value is decreasing over time due to inflation. (Read about this in depth here.)

The Solution? Invest it. 

Don't think it's not your cup of tea. Everyone can and should invest their money. Don't worry if you've no clue about investing.

We all start from somewhere. Do your research and read a lot. (Get more tips here) Start with a safe asset, like Digital Gold.

Here's the part where the Jar app jumps in to help you.

What's Jar? 

Jar is a Daily Gold Savings app that lets you save money. It invests the spare change from your online transactions into Digital Gold, automatically. 

Jar is the simplest & fastest way to save & invest.

With Jar, you can grow your wealth with 24K Gold (Don't believe us? Check out yourself). Buy & sell Digital Gold, at the best Gold rates, starting at just Re.1.

Create a habit of saving by auto investing small sums as investments in Digital gold, which can be redeemed or withdrawn whenever you want to your e-wallets.

Suppose you order something from Zomato, like a RiceBowl. It costs you Rs. 324, and you make the payment through PayTM.

Now Jar will round off that amount to the nearest 10, which is Rs. 330 and invest the difference (330-324), Rs. 6 directly into Digital Gold. Isn't that cool? It may seem like a small amount to you, but it builds up in the long term. 

The more you spend, the more you save. Without burning a hole in your pocket.

You can do micro-savings on Jar with our premium Digital gold investment plans & offerings (at best gold rates). 100% secure & liquid offerings allow you to automatically buy 24 karat gold with every transaction.

With Jar, you have full control of your finances, you can pause, re-start or withdraw funds or gold easily with a click of a button.

You can set up auto pay or choose to invest manually. But that's not all, you get a chance to play games and double up your savings. 

Spin the wheel - Save money with every transaction on Jar. Every transaction wins you a spin on the Wheel of Savings on the Jar App. Get a chance to double your savings on Jar or a chance to win exciting cash-back by playing games. 

Create a Jar for every financial goal you have for the future.

With Jar, you can create custom 'Jars' to achieve your financial goals such as:

  • Buy gold for your marriage
  • Save money to buy a gift for parent's anniversary
  • Save money for your next solo or family trip 
  • Plan finances for kid's education
  • Plan finances for starting your business or to invest in favourite stocks
  • Save money for better money control & financial control
  • Buy digital gold for a secure future
  • Plan personal finances for buying your dream car, home, phone or laptop 
  • Plan finances for emergency money requirements


Intrigued? Explore more here


The path to consistency is not easy. So many distractions are lined up in the way.

Let Jar help you overcome those distractions and make the journey smooth. Start saving today. Download the Jar app.

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