https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij yay en-us 2020-12-03 16:06:27 UTC 2025-10-11 14:40:03 UTC hello@padlet.com mullerl3_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984359218 Protects your credit cards from fraud by monitoring your transactions and providing feedback.]]> 2020-12-03 16:13:43 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984359218 mullerl3_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984366121 100% free.]]> 2020-12-03 16:14:59 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984366121 mullerl3_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984370094 Monitored by bank-level security as well as overseen by VeryFi and McAfee HackerSafe.]]> 2020-12-03 16:15:43 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984370094 merlosd2_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984371382 - Fiance app that organizes your spending, budget and expenses 
- Blocks any unwanted or unauthorized charges on your account  ]]> 2020-12-03 16:15:58 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984371382 mullerl3_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984376933 Checks for hidden fees through thorough security checks, provides insight on safe transactions, and overall saves your credit score by eliminating any excess money spent.]]> 2020-12-03 16:17:01 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984376933 merlosd2_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984384078 - Fiance app that uses an“envelope” style of tracking your money. 
- Splits up money into groups/"envelopes" so budget is clear and organized

]]> 2020-12-03 16:18:21 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984384078 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984393638 Create Prepaid cards for families so that you can quickly and easily transfer money between one another. ]]> 2020-12-03 16:20:12 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984393638 klurs3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984394944 2020-12-03 16:20:28 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984394944 mullerl3_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984396100 To organize and save your money by following Dave Ramsey's list of "baby steps", the end goal being financial freedom.]]> 2020-12-03 16:20:41 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984396100 mullerl3_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984396406 Users choose between the free option, or the $99/yr version, which allows your to monitor your credit card transactions.]]> 2020-12-03 16:20:44 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984396406 mullerl3_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984396789 Since it's an app used for planning, there isn't as much security necessary as no confidential information is stored there. But, they do save data in user accounts.]]> 2020-12-03 16:20:47 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984396789 merlosd2_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984397122 - Free but plus version costs $3.99 for a monthly subscription or $34.99 for an annual subscription ]]> 2020-12-03 16:20:50 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984397122 klurs3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984397130 Free]]> 2020-12-03 16:20:50 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984397130 mullerl3_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984397324 Users control everything, allowing them to have an active role in their financial journey. It's also very beginner friendly, making it easy to understand concepts within budgeting their income.]]> 2020-12-03 16:20:52 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984397324 mullerl3_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984398288 For many expert budgeters, it's overly simple. Also, the free version has its limitations while the paid-for version is NOT cheap.]]> 2020-12-03 16:21:03 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984398288 mullerl3_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984399345 It only provides insight if your credit card information is based online, there's limited customer service in case of problems, and it's only available in the United States.]]> 2020-12-03 16:21:15 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984399345 klurs3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984403892 2020-12-03 16:22:09 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984403892 klurs3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984407339 2020-12-03 16:22:48 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984407339 klurs3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984408838 2020-12-03 16:23:05 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984408838 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984411242 On top of monthly fees, you must have a CenterState bank account in order to start your plan.]]> 2020-12-03 16:23:34 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984411242 klurs3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984412908 2020-12-03 16:23:54 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984412908 klurs3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984414024 It's free to sign up; however, the company takes an annual fee of 33% of what each sutumer saves each year.]]> 2020-12-03 16:24:07 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984414024 merlosd2_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984416527 - Free but plus version costs $5 per month or $45 per year]]> 2020-12-03 16:24:36 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984416527 merlosd2_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984464418 - All information and data transferred remains encrypted
- Login credentials are not stored
- Pocketguard never has access to make any changes to your accounts.]]> 2020-12-03 16:33:54 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984464418 merlosd2_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984465660 - Personal information is never sold and or rented and personal -Information is never shared to third parties 
- Information is removable and all contact is removed]]> 2020-12-03 16:34:08 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984465660 klurs3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984587846 2020-12-03 16:57:17 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984587846 klurs3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984589340 2020-12-03 16:57:35 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984589340 klurs3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984589994 2020-12-03 16:57:43 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/984589994 merlosd2_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/989633685 -Organizes money for better financing and links to bank for accurate budgeting]]> 2020-12-05 01:39:57 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/989633685 merlosd2_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/989646610 -Simple "envelop" method that anyone can understand ]]> 2020-12-05 01:53:59 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/989646610 merlosd2_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/989647190 - Could potentially get hacked and information is leaked]]> 2020-12-05 01:54:41 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/989647190 merlosd2_2 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/989647233 - Doesn’t link your bank account
- Have to put your finances into the app yourself 
-Could lead to mistakes ]]> 2020-12-05 01:54:46 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/989647233 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008517048 Monthly fee of $5.99 however, this price can be lowered with different membership plans.]]> 2020-12-11 01:03:34 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008517048 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008520863 There is a Privacy Policy you must agree to with each account you create. However, your personal information is not protected from third parties.]]> 2020-12-11 01:05:27 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008520863 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008523072 Parents benefit from using this tool by giving their kids allowances and transfer money between childs’ accounts. This tool can help teach the younger generation how to use a debit card while keeping parents involved in the activity of the card.]]> 2020-12-11 01:06:35 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008523072 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008524099 The downsides of this tool are creating an account with CenterState and having to pay monthly fees. ]]> 2020-12-11 01:07:01 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008524099 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008527203 The purpose of Personal Capital is to help the user manage their retirement plan.]]> 2020-12-11 01:08:04 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008527203 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008529775 The app is free however, you must pay fees and have a minimum balance of $100,000 dollars where the fees start at 0.89%.]]> 2020-12-11 01:09:19 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008529775 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008531029 Confidential information is kept safe and when shown to third parties for help, they guarantee that the third party will not sell your information.]]> 2020-12-11 01:09:57 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008531029 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008535880 The benefits are that the tool helps you organize and invest your retirement money.]]> 2020-12-11 01:12:25 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008535880 razzaiom3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008536726 The risk of using Personal Capital is the more money you put in, the more money gets taken out. ]]> 2020-12-11 01:12:51 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1008536726 mauluccia1_3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062284669 This is a budgeting app that lets you set spending goals and keep track of what you spend]]> 2021-01-07 07:57:26 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062284669 mauluccia1_3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062287851 34 day free trial, then it is a $11.99 per month or $84 a year subscription service]]> 2021-01-07 07:59:03 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062287851 mauluccia1_3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062288943 They have multiple layers of digital security and delete data when a subscription ends after a set amount of time]]> 2021-01-07 07:59:36 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062288943 mauluccia1_3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062290076 - Their budgeting systems use proven methodology 
- Students can get 12 months free for signing up and you can earn free months by referring people to the app with no limit on how many months you earn
- The app is supported by most smart devices ]]> 2021-01-07 08:00:11 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062290076 mauluccia1_3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062292761 - YNAB costs about $85 per year
- The app is not fully automated which means that you have to input all spending manually 

]]> 2021-01-07 08:01:27 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062292761 mauluccia1_3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062321676 To keep track of finances to help meet savings goals]]> 2021-01-07 08:15:10 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062321676 mauluccia1_3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062321926 Free]]> 2021-01-07 08:15:17 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062321926 mauluccia1_3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062322096 Personal information is encrypted and is never sold to third parties]]> 2021-01-07 08:15:22 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062322096 mauluccia1_3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062322300 - Saves locations of where you shop often to streamline future entries 
- Can store photos of receipts for future reference]]> 2021-01-07 08:15:29 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062322300 mauluccia1_3 https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062322492 - The app is not very user friendly
- The expense analysis is limited
- The app does not link to your financial accounts 

]]> 2021-01-07 08:15:35 UTC https://padlet.com/mullerl3_2/q2m0hfq1v2hi52ij/wish/1062322492