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April 26, 2011 10:04 pm PDT
Original Link: http://feeds.boingboing.net/~r/boingboing/iBag/~3/MOKBq1sn0EQ/gamifying-personal-f.html
Gamifying personal finances: what works and what doesn't
[Video Link] I wrote a piece for Credit.com about adding gamelike elements to personal finances. I tried out payoff.com (didn't like it) and smartypig.com (love it). I entered this information into the form, and payoff.com presented me with four different opportunities to earn badges: linking my Facebook account to payoff.com, for signing into payoff.com every day for a week, for completing my payoff.com profile, or inviting friends and family to payoff.com. To me, these badges weren't much of an incentive. They seemed to serve payoff.com's needs more than my own. (I also received four badges via email: the Smart Saver Badge, the Smart Spender Badge, the Goal Setter Badge, and the VIP badge. This felt like badge inflation an did I really deserve so many badges just for setting up a goal? Badges are only worth something if you have to work to earn them.) Payoff.com also recommended that I open a new savings account to store my funds, offering to connect me to one of a number of online banks. If you open an account with one of those banks, payoff.com receives a "nominal fee." I don't begrudge payoff.com for making money, but having to open a new savings account for each goal is not convenient. Having Fun with Your Finances...
Original Link: http://feeds.boingboing.net/~r/boingboing/iBag/~3/MOKBq1sn0EQ/gamifying-personal-f.html
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