Zeta Review (2020): Personal Finance Budgeting App for Couples

Learning how to manage money as a couple is one of the biggest hurdles you’ll face. A study by TD Bank found that nearly 40% of couples between the ages of 23 and 38 fight about money at least once a week.

Once a week! That’s 52 fights a year you could avoid by learning to manage money better as a couple. 

That’s where the Zeta: Couples Finance app comes in. It’s a free budgeting tool designed for couples. Keep reading this Zeta review to find out if it’s right for you and your partner.

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Preparing for a Recession: Our Family’s 5 Step Financial Plan

This pending recession has thrown our happy family schedule all out of whack.

  • School: Our kid’s school is closed for the next 3 weeks. It’s looking likely that might extend at least 8 weeks and maybe through the rest of the school year.
  • Work: Our President recommends against gatherings of 10 or more so Nicole will more than likely be joining me as we work from home with kids.
  • Money: Although it probably wasn’t smart, I tracked our net worth losses over the past month and we’re down by at least $100,000 (and that is before the crazy stock market activity this week).

I’m sure our situation pales in comparison to other families who may soon be out of work. That’s going to affect a lot of families, small businesses and our country’s economy.

As we figure out what’s next, I wanted to share 5 things our family is doing to deal with the Coronavirus (COVID-19) season. I hope it helps you as you’re planning for your family. 

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26 Smart Ways Parents Can Save Money on Daycare

Raising kids is one of life’s greatest joys. It’s also one of the most expensive. Think about how much you fork over for the cost of daycare every month and you’ll know what I mean. With rising prices, it’s getting more and more difficult to find ways to save on daycare. 

A study by Care.com found that almost half of families in the US are spending at least 15% of their income on childcare costs. But what’s interesting is that the US government defines “affordable care” as 7% or less of household income.

So how can you save on daycare to make it more affordable? It depends on where you live, whether you have family nearby, and how old your kids are. 

Saving money on daycare is possible. Here’s how to do it.

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How Living on 50% of Our Income Helped Us Reach Financial Freedom – with Kelly Smith


There may not be a single right way to achieve financial freedom, but supersizing your savings is certainly a powerful strategy.

But what does supersizing your savings mean? More importantly, how does someone go about doing that?

I sat down with Kelly Smith from Freedom in a Budget to learn more about how she and her husband are crushing their goals and enjoying their lives while living on 50% of their income. 

In our chat, Kelly proves that budgets aren’t constricting. They’re a pathway to freedom. She shares details on making the decision to take the 50/50 path, milestones they’ve already crossed, and where they are headed.

Plus, she offers actionable steps for people who want to make more money and want to make saving 50% of your income a reality. 

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10 Simple Steps to Save Up for Your Next Home Down Payment

Rachel from Chicago has a question about saving up for her home down payment.


Hey Andy! 

My husband and I are trying to save for a down payment on a house. We are pretty good at living within our means. 

Any advice on how to make this easier, smarter, more fun?! 

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5 Major Money Mistakes I’ve Made (And How You Can Avoid Them)

Lately, I realized that I’ve been sharing a lot of really great things that are going on in my life (paying off our mortgage early, net worth wins and transitioning to my small business full-time). While that news fun to share and can be motivating for those of you reading my blog, I think it’s also important to share some of my money mistakes as well. 

That’s what the financial journey is all about. We’re not always hitting big wins all the time. There are a lot of mistakes, but those mistakes can sometimes be the biggest lessons and help us learn a lot.

And then there are mistakes that just really suck and you don’t learn anything from them!

Here are 5 major money mistakes I’ve made in my life. Hopefully, by sharing these money mistakes, it’ll help you avoid them in the future. 

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Avoid Holiday Debt Next Year With a Sinking Fund

Christmas is a time for fun, family, and giving. Unfortunately for some, the spending associated with this joyous time of year was bought on credit.

According to Magnify Money, this past season Americans with holiday debt added $1,325 of debt on average. Unfortunately for some, the pay off may not be until the next Christmas or even longer.

If we’re still paying off debt from last year’s Christmas, how can we enjoy this year’s Christmas?!

There’s a solution to this holiday debt conundrum and it’s called the Sinking Fund.

The best time to start one is NOW …

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How to Create Your Budget in Mint (for Free) in 10 Simple Steps

If you want to improve your financial situation, developing and living on a budget definitely helps. By doing this, you are creating a detailed map that will guide you to financial freedom.

Mint is our family’s budgeting software of choice. We’ve done some incredible things with Mint:

We are so proud of the progress we’ve made. We attribute this success to working together and staying on a monthly budget with Mint.

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Honeyfi Review: Money Management and Budgeting For Couples

Every relationship usually has a  “spender” and a “saver.” While the old adage says that “opposites attract,” different personalities can make budgeting harder than it needs to be. 

Honeyfi can blend each of your unique money habits into one simple app in a way that both of you agree on, even if your partner would rather eat brussel sprouts than stick to a spending plan.

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How to Complete Dave Ramsey’s Baby Step 1 in One Week

For the past few years, I’ve been volunteering at my church to coordinate Dave Ramsey’s Financial Peace University course. It’s a 9-week course that helps people get out of debt and get into strong financial shape. We just started a new session and our class is focused on Baby Step 1 (save $1,000 in an emergency fund).

This step can sometimes feel daunting when you’re just starting out, but it’s a very important one. When you have money in the bank, it keeps you from going further into debt when emergencies happen.

A few of the class participants inquired how to get through Baby Step 1 fast so they can get right into Baby Step 2 (eliminating all of their non-mortgage debt). I developed a list of 10 suggestions that worked well for me in the past and sent them an email so they could get after it. Here they are:

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