This is a sponsored article on behalf of Moneybox.
As a Londoner, you're probably keenly aware of the fact that this city is very good at helping you spend your cash — and not quite so good at helping you keep hold of it.
Some have even gone on to suggest that the reason millennials are so bad at saving, is because they spend far too much on avocado toast.
Erm, yeah... it's a little bit more complicated than that, actually.
And while we are partial to an Instagrammable brunch, Moneybox's nifty round up feature means you can actually spend and save at the same time, investing your spare change in companies like Tesla and Nike.
Take that, baby boomers.
Thousands of Londoners are already saving for their future, and it couldn't be easier for you to get started too — no expert knowledge is required.
Here's how it works...
Let's you say you spend £3.50 on a humble slice of avocado toast. Moneybox, synced up to your bank card, automatically rounds up the purchase to the nearest pound, and then sets aside the 50 pence change. The money is then invested on your behalf via simple tracker funds, with a variety of risk options available.
The app makes it easy to keep track of how your investments are doing, and it's a great way to make saving part of your everyday routine, whatever you happen to be spending on.
Spend a little, save a little, right?
There's even the option to top up your investments with one-off deposits, regular deposits or a boost when payday comes along — well worthwhile, seeing as your Moneybox account can potentially offer higher long-term returns than leaving your money in a current or savings account.
Plus, those saving with a house in mind can opt for Moneybox's Lifetime ISA account, and enjoy a 25% government bonus on top of their savings. Top savers can claim up to £1,000 free from the government every year — not bad, for not having to lift a finger.
The best bit of all, though?
No more guilty feeling at lunchtime. You're spending and saving, remember?
As with all investing, your capital is at risk. The value of your investments will rise and fall at times and you could get back less than you invested. Government early withdrawal charge applies to the Lifetime ISA.