It’s a set-it-and-forget-it approach that makes you feel smart and financially savvy 2) instead of a meaningless progress bar, Smarty Pig replaces it with progress that leads to a real world purchase. Core Drive 2: Development & Accomplishment: Smarty Pig uses CD2 very well in two ways: 1) it makes the savings process incredibly easy.You’ll slowly fill your progress bar (savings account) until you’re 100% complete and you can buy that refrigerator guilt free. Well, with Smarty Pig, you set the refrigerator as a savings goal and then automatically deposit money from your bank account to your Refrigerator account. Let’s say you want to buy a new refrigerator. How it works: Smarty Pig is a personal finance app that helps you achieve your purchasing goals.