When a Cliché Saved the Day: The story behind FIT Rules

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If I had a dollar each time someone said ‘If I had a dollar’, I’d actually be a millionaire.

You’ve heard of clichés? Like “Roses are red, violets are blue…” or closer home, “Can you see my screen?”. It’s the ultimate creativity-killer. Starting a sentence with ‘Basically’ or ‘Essentially’ would be my top picks for 2021.

But I want to go back to 2019 for a second. A whole year before the pandemic hit and all that. We were idling around the office talking about making saving a fun thing. To me that sounded insane. Nobody that I know could possibly have fun with saving money. Not even a banker.

And then someone said something about automating savings. You know, just the way you’d automate subscription payments. The funny thing is, that idea had been bounced around a lot of times before. Nearly every day, someone would mention automation, or making savings fun so many times that we collectively went “Man, if we had a dollar each time we said these things, we’d be rich enough to fund ourselves”

That was the birth of FIT Rules. We turned our clichés into lines of code that moved money from our accounts into Smart Deposits.

If we had a rupee for every time our stomachs growled - A food ordering based FIT Rule was born.

If we had a rupee for every time there was a sale - Bam! A shopping based FIT Rule!


Here’s a bunch of fun rules that we came up with in one of our jam rooms:

✋🏼 Curb your enthusiasm ⇢ If going out drinking, don’t allow spending of more than ₹5,000

☔️When it rains, it pours (into your wallet) ⇢ Save ₹50 into a ‘rainy day deposit’ every day that it rains

🍷 Treat yoself, boo ⇢ If monthly salary increases, then order myself 🍕 🍰🍷

💰 Aap banoge crorepati ⇢ Save ₹500 every time Amitabh Bachchan tweets


The part about it I like the most is that you don’t even know you’re saving. If you’ve found money in your pockets, then you probably know what I’m talking about. This is that, all over again. So we thought it would be great if you could just go about life, and then 6 months later, you’re sitting on a pile of savings that could fund your Goa holiday.

Back to the future, we’re here in 2021, working on new FIT Rules that would help you save each time you unlock your phone or open social media. The next thing we know, we’re actually going to be taking those vacays or buying those things we wanted. All thanks to a little piece of algorithm crawling up and down our devices.


So much for clichés being creativity-killers, no?

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