Zeta has an average mobile app rating of 4.4 and also offers two-factor authentication and data encryption to keep your data extra safe. The app offers both personal and joint accounts that allow you to pay bills, save for goals, and track shared expenses, and even offers in-app messaging to communicate with your partner or other members of your family about your budget. Zeta offers a number of features that make it an ideal app for budgeting with others in your household. Good for couples and families who want to merge their finances. Annual cost: $0 Average app rating: 4.4 Account syncing capabilities: Yes Our verdict ZetaĪbout: Zeta is a budgeting app that caters specifically to couples and families hoping to track their expenses together. He also serves as CEO for the company Ramsey Solutions.(Note: Fees and account features in this list are up to date as of April 19, 2023, but are subject to change.) 1. Since 1992, Dave has helped people take control of their money, build wealth and enhance their lives. * Dave Ramsey is an eight-time national bestselling author, personal finance expert and host of “The Ramsey Show.” He has appeared on “Good Morning America,” “CBS This Morning,” “Today,” Fox News, CNN, Fox Business and many more. Long story short: If you play with snakes, sooner or later you’ll get bitten. I’m telling you all this, Cathy, because I want you and your husband to protect your number-one wealth-building tool: your income. They’ll tell you they beat a multi-billion-dollar company, one that spends tens of millions of dollars every year on studying consumer behavior in depth, at their own game. Do you want to know something else? I’ve never met a single millionaire who pointed to credit cards and airline miles as the reasons for their financial success.īut I do know a lot of broke, middle-class people strutting around, bragging that they gamed the system. You don’t feel the sting of it leaving your personal account. Using someone else’s money just doesn’t produce the same friction in your brain as paying for something with your own money. Tons of research has proven this to be true. When you use a credit card, you spend more than when using a debit card or cash. At that point, he had $11,000 on his American Express card, and the credit card company didn’t care one bit about his company going broke. The company he worked for had filed Chapter 11 bankruptcy, and he got nothing. Guess what happened? When he went into work earlier that day, he found a padlock on the door. And it’s not a good way to run a business or treat your employees.Ĭathy, I once counseled a guy who walked into my office with $11,000 on his American Express card that was “supposed” to be reimbursed. On top of that, these companies act as if operating this way is no big deal. I understand this is standard procedure for some companies, but then a big chunk of corporate America has conned its employee base into taking out a loan on their behalf-with a promise of repayment-and the employee taking on all the risk. All for a couple of airline miles that are virtually impossible to use? No, thanks. So, your employer is so poor they require you to advance them for your travel? You do understand if your employer decides not to pay you one month-for whatever reason-that it’s your credit card and your debt, right? Even if this hasn’t happened yet, you’re exposed to the risk. But can you explain why my husband and I shouldn’t take advantage of credit card points for travel expenses that are required for work but will be reimbursed by the employer? I know you recommend using cash or debit cards instead of credit cards.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |