Abstract: A system includes a computer-implemented method of motivating users toward at least one constructive financial alternative to spending. The method includes receiving, at a server, from a user at a first consumer device, an initial configuration for at least one financial goal, wherein the configuration includes a goal name and a target amount representing a financial value associated with the at least one constructive financial alternative to spending; receiving, at the server, from the user at a second consumer device after the initial configuration is complete, an electronic command directing potential application of funds of a given amount benefiting the at least one financial goal, representing a choice from among a plurality of spending options integrated into the user's lifestyle and spending patterns.