Targeted toward millennials, Tip Yourself is a savings app designed to motivate people to set aside money when they reach their life’s goals, big or small. The developers of Tip Yourself have created a community of like-minded savers who want to encourage others to do the same. Tip Yourself users literally “tip” themselves with small dollar amounts each time they feel like it. Skip Starbucks and drink the coffee you had at home? Put some money in the tip jar. Pack a lunch instead of eating out at work? That’s reason to celebrate. Tip Yourself harnesses the power of positive reinforcement, encouraging you to save money for a higher purpose and help others do the same. Users simply tack on a percentage of a purchase towards a bill they have to pay. After buying those $100 shoes, for example, $20 in "tip" could go immediately to a cell phone bill.