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Applications that round purchases to the closest dollar, for example, can deposit the difference into an investment fund or savings account. Others might provide individualized savings challenges that make saving money more fun. Over time, these apps can help users create sound financial habits that can result in increased financial stability by making budgeting fun and simple. Apps for saving and budgeting will remain essential in fostering financial empowerment and literacy as people realize how important it is to manage their money well.