THE INTERNET OF SAVINGS

Platform as a service services (PAAS) for use in calculating aspiration-based savings featuring user accessible electronic computer software platforms that facilitate the user articulation of savings aspirations by placing shared content relating to savings on an on-screen shared notebook, that facilitate user controlled financial planning for amplification of savings, and which couples a designated user's savings at a financial institution or other source of designated funding with a plurality of merchants supplying goods and/or services which satisfy the user's aspirations