What if saving money didn’t require you to try?
What if your savings grew quietly in the background while you lived your life, spent your money, and chased your goals?

That’s exactly what Rubies’ Spend & Save is built to do — help you save effortlessly, automatically, and consistently. In this post, we’ll show you how it works, why it works, and how it can change the way you think about saving money forever.

Why Saving Is So Hard (for Most of Us)

Let’s be honest: saving money sounds easy in theory, but life happens. We get busy, we forget, or we simply don’t feel like locking away part of our cash. Even when we try, something more urgent always seems to come up.

Here’s the truth:
Most people don’t have a savings problem, they have a habits problem.

That’s where automation comes in. By making saving something you don’t have to think about, it becomes consistent — andconsistency is the key to building wealth.

How Spend & Save Works

Spend & Save is a Rubies Vault feature that lets you automatically save a percentage of every transaction you make.

Here’s how it works in 3 simple steps:

1. Activate Spend & Save from your Rubies Vault.
2. Choose a percentage (e.g., 5%) that you want to be saved automatically.
3. Every time you spend (airtime, transfers, bill payments, etc.), that percentage is tucked away into your Vault.

So if you spend ₦1,000 and your Spend & Save is set to 5%, Rubies will save ₦50 automatically — without asking, reminding, or interrupting you.

It’s that smooth.
It’s that smart.
And it adds up faster than you think.

Why This Changes Everything

1. It’s Passive

You don’t have to remember to save — it happens quietly in the background.

2. It Grows With Your Spending

The more you spend, the more you save. That means your lifestyle is literally funding your goals.

3. It Builds Discipline Without Pain

You’ll build the habit of saving without feeling the pinch. No pressure, no stress.

4. You’ll Save More Than You Expect

Even small percentages compound quickly. In a month, you might save thousands without even noticing.

Real-Life Example

Let’s say you activate Spend & Save at 10%.

• You spend ₦2,500 on groceries → ₦250 goes to Vault
• You buy airtime worth ₦1,000 → ₦100 goes to Vault
• You send ₦5,000 to your friend → ₦500 goes to Vault

In one week, you’ve saved ₦850 without thinking about it.
Multiply that by 4 weeks — that’s ₦3,400 in a month. Easy.

Now imagine that over 6 months or a year.

Pro Tips to Get the Most From It

• Start Small: Begin with 5% and adjust as you get comfortable.
• Pair It With a Target Vault: Give your savings purpose (e.g., Vacation, Emergency Fund, New Phone).
• Challenge Yourself: Gradually increase your % as your income grows.

What Rubies Users Are Saying

“I didn’t even realize I had saved over ₦10k in two months. Spend & Save really works without stress.” – Amaka O.

“It’s like the app saves money for me while I’m busy spending. Genius!” – Tunde M.

“Now I don’t feel guilty spending, because I know some of it is going to my Vault.” – Precious E.

Final Thoughts

Saving money doesn’t have to be hard.
It doesn’t even have to be intentional.
With Spend & Save, your daily transactions become the engine that powers your financial growth.

So go ahead — spend smart, save smarter.
Let Rubies handle the background work, while you focus on what matters most.

🔔 Ready to activate Spend & Save?
Update your Rubies app and start saving automatically today.
Stay tuned for more interesting Rubies feature updates.

‍