Abstract: A method of saving money using a mobile phone to reach a savings goal. The method includes creating an electronic account; computing a periodic sum of money to be saved by the user according to the savings goal; receiving a first electronic message from the mobile device, the first electronic message includes a description of a service or product not purchased by the user and an amount of money not spent; storing the description and the amount in the account; computing a running total of the amount of money not spent. The method may also include transmitting a second electronic message, the second electronic message acknowledging the first electronic message, the amount not spent by the user, the amount remaining to be saved to reach the savings goal and/or the total amount not spent.

Abstract: A method of saving money using a mobile phone to reach a savings goal. The method includes creating an electronic account; computing a periodic sum of money to be saved by the user according to the savings goal; receiving a first electronic message from the mobile device, the first electronic message includes a description of a service or product not purchased by the user and an amount of money not spent; storing the description and the amount in the account; computing a running total of the amount of money not spent. The method may also include transmitting a second electronic message, the second electronic message acknowledging the first electronic message, the amount not spent by the user, the amount remaining to be saved to reach the savings goal and/or the total amount not spent.

Abstract: Impulse saves are made by a user of a first computing device. A first electronic message is received from the first computing device. The first electronic message comprises an amount of money not spent by a user of the computing device. A running total of the amount of money not spent is computed. A second electronic message to at least one other computing device is transmitted. The second electronic message comprises at least some of the running total. An electronic transfer of the amount the amount of the second electronic message is made from one account to another account.

Abstract: A plurality of users have a savings goal, and a plurality of mobile devices each belong to a user. An electronic message from a user's mobile device is received. The electronic message comprises a description of a service or product not purchased and the amount of money not spent because it was not purchased. The description and amount are stored and a running total of the amount of money not spent is computed. A second electronic message is transmitted to all of the plurality of mobile devices except the first mobile device. The second electronic message comprises the description, amount, and an identifier of the user of the first mobile. Receiving, storing, computing, and transmitting are repeated until the savings goal is reached. A system includes the plurality of mobile devices, at least one communication network, and a computer in communication with the communication network. The system may also include a bank.

Abstract: A plurality of users have a savings goal, and a plurality of mobile devices each belong to a user. An electronic message from a user's mobile device is received. The electronic message comprises a description of a service or product not purchased and the amount of money not spent because it was not purchased. The description and amount are stored and a running total of the amount of money not spent is computed. A second electronic message is transmitted to all of the plurality of mobile devices except the first mobile device. The second electronic message comprises the description, amount, and an identifier of the user of the first mobile. Receiving, storing, computing, and transmitting are repeated until the savings goal is reached. A system includes the plurality of mobile devices, at least one communication network, and a computer in communication with the communication network. The system may also include a bank.