Sammy the Savings Sloth spends a lot of time telling you to start small. Reggie the Round-Up Ram is here to show you exactly how small "small" can get.

Round-up saving works on the spare change you didn't know you had. When you make a purchase with your debit card, the amount gets rounded up to the next whole dollar, and the difference moves over to your savings. Your $4.35 coffee becomes $5.00, and 65 cents quietly lands where it can grow.

On its own, 65 cents isn't much. That's the entire point. You don't feel it leave, so you never talk yourself out of it — and it happens on every purchase, every day, building in the background while you go about your week. This is saving that doesn't require you to remember anything.

Reggie's philosophy is simple: you don't have to change what you buy. You just change where the leftovers go. Set it up once, and it keeps working without you.

Ready to put your spare change to work? Ask the True Crew at True North about round-up savings — it takes a few minutes to set up and then it runs on its own.