Historically, banks have not been my friend. I first realized this way back when I was 19 living in Los Angeles. I tried to buy a coffee in Laguna Beach and my card was rejected. It was the first time it had ever happened and I still remember it perfectly. The shock. The awe. The embarrassment. I sadly left (sans iced latte) and went to the bank to figure out what had happened. The person that met with me shook their head in shame and softly said, "You really should learn to balance your check book."
This was before the days of mobile banking.
Keeping track of my finances has always felt tricky and overwhelming. If something doesn't work instantly and easily I immediately lose interest (is this part of being a Millennial?). I've never been good about checking my bank balance (I can never remember my login details). I always try to be frugal but do adhere to the treat yo' self mentality, especially around payday. I often just hand over my shiny card, swipe and hope for the best. For the most part it works out alright. Except for that time in Laguna Beach...
Today though, I really have no excuse for feigning ignorance. It's important to be informed. I'm in my thirties now. I have a kid. I want to buy a house. I can't spend all my money on clothes and shoes like I did when I was younger. It's not OK for me to be irresponsible or ill-informed about my finances because it doesn't just impact me anymore, it impacts my whole family.
So, when I was asked if I'd like to meet Finn, an all-new mobile bank created by Chase for the Instagram generation, I immediately said yes. The experience is completely digital. From opening an account to depositing checks and paying bills, everything is done online. No sulking into the bank to have someone shake their head at you and explain the reason you're overdrawn. Because there's really no reason to be overdrawn. It's easy to keep track of how much you're spending. Finn even helps you develop healthy saving habits. There's an autosave function that lets you set rules for yourself so that, say, every time you buy a coffee you automatically put $5 into your savings account. If you're anything like me, that's a quick way to rake up some savings. 🤑
St Louis is the first city to receive the all new mobile bank from Chase and to celebrate Finn has been hosting "Food with Finn" Events all around the city. I popped down to check it out and while I was there local artist John Hendrix asked me what I was saving for. I thought of all sorts of practical things that I should be saving for (paying off my student loan, a trip to Hawaii with my family to celebrate my dad's retirement, money down towards buying a house) but instead I just blurted out, "CHANEL." And with that I realized, nothing will take away my impulsive nature to spend all my money on clothes and bags and shoes. As I stood there and watched my dream bag come to life by way of drawing I thought that maybe, just maybe, Finn could help me save up for the things I'd really like. I can't just stick my head in the sand, hand over my debit card and hope for the best. It's been over ten years, but I think I may have finally figured out how to balance my check book.
Watch this space. Chanel bag, coming soon.
Part of a paid partnership with Chase