MM 3 and 4 T/F Review

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If you write a zero-based budget every month, its not necessary to reconcile your account

The bank will charge a fee for overdrafts on your account

Dave says its okay to use a credit card if you pay it off every month

If you're a victim of identity theft, you're only responsible for paying back half the debt

Setting up automatic account transfers is the easiest way to build your savings for your emergency fund or large purchases

You need a credit card to rent a car or check into a hotel

You must establish credit in order to buy a house

Having more than one than one bank account is never a good idea since it can complicate money management