From Flexing to Saving: My Journey with Piggyvest
By Ochuko Tonukari
You’ve probably heard of Piggyvest—whether it’s through a friend, an ad, or one of those glowing testimonials online where someone claims it “changed their life.” If you’re like me, you might have initially dismissed it as just another savings app vying for attention in a crowded financial-tech space. But curiosity (and my erratic savings and flexing habits) got the better of me. After using Piggyvest consistently for over a year, I can confidently say this: it’s not perfect, but it’s worth talking about.
The Good: A Lifeline for the Financially Disorganized
I want to start by giving credit where it’s due—Piggyvest solved a real problem for me. I’ve always struggled with saving consistently. It’s not that I don’t want to save; it’s just that the money in my account somehow evaporates before I can put it aside. Piggyvest’s automation feature changed that. Once I set up automatic deductions from my bank account, it was like magic. I didn’t have to think about it. No guilt trips, no mental gymnastics figuring out how much to save every month. The money just moved… quietly.
What really blew my mind, though, was the flexibility. You can create different savings goals and customize them—a vacation fund, an emergency stash, or even just a “treat yourself” jar. It’s like having multiple piggy banks, but digital and way smarter. Plus, there’s the SafeLock feature that locks your funds until a set date. Let me tell you, as someone who’s prone to “just this once” withdrawals, SafeLock is the disciplinarian I never knew I needed.
One more thing: the interest rates. Piggyvest offers better rates than most traditional savings accounts. It’s not life-changing money, but it’s enough to make you feel like your savings are actually working for you rather than just sitting idle.
The Not-So-Good: Trust Issues and User Experience Quirks
Now, let’s talk about one major concern a lot of people has—trust. When you’re handing over your hard-earned money to a fintech platform, there’s always this lingering question: is my money safe? Piggyvest claims to be insured, and they’re regulated by the appropriate authorities, but let’s be real—fintech in emerging markets can be a bit of a gamble. I haven’t had any issues personally, but I’ve seen online chatter from users worried about delayed withdrawals or glitches. And once you start doubting a financial platform, even a little, it’s hard to shake off that unease.
Another thing: the user interface. Don’t get me wrong, it’s functional, but it could be better. The app sometimes feels clunky, and there have been moments where I had to dig around for basic features that should be front and center. It’s not a dealbreaker, but it’s one of those small annoyances that add up over time.
The Emotional Rollercoaster of Saving on Piggyvest
Here’s something I didn’t expect—saving money with Piggyvest can be… emotional. Some days, I’d open the app and feel this surge of pride seeing my progress. Other days, I’d look at my locked funds and feel resentful, like the app was punishing me for my own decisions. It’s a weird mix of empowerment and frustration, but maybe that’s just part of the process of building better financial habits. No one said growth was comfortable, right?
So, Is Piggyvest Worth It?
The short answer? Yes, but with caveats. If you’re someone who struggles with saving or needs a nudge to stay disciplined, Piggyvest can be a game-changer. It’s not perfect, and it won’t fix all your financial problems overnight, but it’s a solid tool to have in your arsenal. Just go in with your eyes open—read the fine print, understand how the platform works, and don’t put in money you can’t afford to lock away.
Would I Recommend It?
So, would I recommend PiggyVest? Yes of course. Whether you’re saving for a specific goal, looking to grow your money, or just trying to build better financial habits, it’s a tool that delivers on its promises.
But more than that, it’s a reminder that financial security isn’t out of reach. It’s not about big leaps; it’s about small, consistent steps that add up over time. And PiggyVest makes those steps a little easier—and a lot more rewarding.
What about you? Have you tried Piggyvest or a similar savings app? I’d love to hear your experience—whether it’s been smooth sailing or a bumpy ride. Let’s talk about it!