As humans, it is in our nature to lie to ourselves. We do it without thinking about it, really. And in the world of personal finances, it has become a problem. Instead of saving for the future, we spend money today on things we don’t need. And we do this because we underestimate how much we’ll need tomorrow, and overestimate how much we have today.

A Swedish-based startup has developed an app they hope will tackle that problem. It works by establishing both a budget (money to spend now) and an anti-budget (something you’re saving for in the future). When you under-spend on your budget, money flows to the future. In this way it encourages saving now to pay for something later.

For more, read the full story here.

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