Some banks, including Bank of America, have programs that automatically round up debit-card purchases, and then transfer the extra amount into your savings account. For example, say your tall vanilla latte costs $3.50. Under this system, your bill would be rounded up to $4, with the extra 50 cents deposited into your savings account. Just 50 cents a day would build to a painless $182.50 over the course of one year.
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