I'm sorry if this has been discussed already as I don't follow the
iPhone MW discussions (I don't have an iPhone... yet). I just heard a
great story on NPR's "To The Point" about how credit card companies
are taking advantage of consumers (more than usual) during this
economic crisis. One of the speakers (Dan Ariely: Professor of
Behavioral Economics, Duke University) came out in defense of a credit
card model that fits well with Money Well.

He envisions credit cards working to keep people within their spending
plans. You would set up buckets (online I presume) on how much you
want to spend on coffee and then when you reach that limit, the card
is denied at Starbucks. It would continue working for other buckets,
for example at the grocery store.

This is exactly what MoneyWell does now, except the credit card model
has the benefit of being portable. I don't know what's in my buckets
till I'm at my iMac at my desk at home. It would be great to have that
information with me while I'm at Starbucks, though (if I ever went to
Starbucks).

Is this what the iPhone version of MW would do? Tie in with the
desktop version, perhaps through the web or an already established
site like www.mint.com? This would be a great tool for people to
control their spending.

Just thought I'd share. Here's a link if anyone wants to listen to the
podcast.

http://www.kcrw.com/news/programs/tp/tp090316the_credit_card_econ
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