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A Time Traveler’s Guide to Qapital

9 Aug, 2016 | Product Features

Scenario: The time machine is accidentally activated. You are teleported back to the 90s, and all you have now is a scratchy denim outfit, a smartphone, and the Qapital app.

How will you use the most cutting edge banking app from the future to your advantage — or in other words, what goals will you kick with Qapital in the 90s?

Step one:

The first thing you’ll want to do as a Qapital user (and time traveler) is to set up a ‘Goal’ to save for. We advise you to save for a pager, to blend in. Blending in is important since you don’t necessarily want people to learn that you are from the future (because who knows what would happen if they did?).

cropped pager

If you’re not a techy-person, you don’t have to worry. There are other phenomenon that you can disguise yourself with.

For example, the creative hair crimper.

cropped crimper

Or rollerblades.

cropped skates

What is so great about all these items is that none of them are overly expensive. With Qapital you’ll have your blend-in kit in no-time (remember, the more 90s stuff you carry on you, the more authentic you will look)!

Now you might wonder: how is it that I will be able to save up for these things so quickly with Qapital?

Introducing step two: Rules!

A Qapital Rule is, in its essence, how you save — the digital equivalent of reaching your hand to the piggy bank and putting the quarter in. Take our RoundUp Rule for example. If you spend $12.43 on lunch with your card, Qapital rounds the amount to $13, and saves the 57 cent difference. But this is the 90s. Lunch is so much cheaper, so you’ll save money on that too!

Another example is our 52 week challenge. This rule will save one dollar for you the first week, two dollars the second week, and so forth — until you have saved for a full year. If you complete the challenge, you’ll have saved $1,378!

The Guilty Pleasures Rule — to come heavy with a third example — saves money each time you get something against your own good conscience. Let’s say you spend a little too much money while having a great time down at the bar, or since it’s the 90s — down at the very popular oxygen bar. No problem. Set Qapital to save for you each time you purchase as much as a sip of oxygen!

Qapital oxygen sessions

If you want to check out the rest of the Qapital Rules, they’re right in the app. You can also read about them here.

Now that you have both a Goal and Rules with Qapital, you are ready to take on the 90s! Below are some general tips & tricks to help you out while you’re in this strange decade. If you play your cards right, it will be far from a Bogus Journey.

  • There are no music streaming services anymore. You might want to set up a Goal for a Walk/Discman, ASAP. Yellow was all the rage those days.
  • Use phrases like “Fresh” and “Prince” and “of Bel-Air.” People will know, and nod.
  • You’re playing Tamagotchi now, not Pokemon. DO NOT MENTION POKEMON.
  • MTV is for music videos, not reality TV. Except they do make exceptions for Liquid Television, which you watch religiously. All hail our queen and kings, Aeon Flux and Beavis & Butthead! Heh. Heheh.
  • If you’re going to complain, it’s going to be because your little brother spilled his Squeez-It all over your No Fear shirt, or that Alf went to Melmac at the beginning of the decade and just like, never came back. As if!

These tips will probably be enough to get you through. So just toss your “Rachel” or “Hanson” hair back, and enjoy the 90s ride – before you know it, you’ll be living “in the now!” So help us, Wayne and Garth. Until then, start kicking your Goals, save up, and party like it’s 1999.

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Carl-David Pärson