How did YOU do it?

I am looking for anyone who has reduced their debts over time.What was the starting amount of your debt? How much did you reduce your debt? What steps did you take to reduce that debt? Did you take drastic measures like cutting up your credit cards or did you do something simple? Do you use Excel to track your finances or do you use some more sophistacated software like Microsoft Money? Do you visit frugal websites or did you do it...

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Well I like ING

ING Direct: The Dark Side of Online Banking? Here is an interesting post I found on ING banking services. I managed to find everything ING required eventually, but it was painful. I worry about the the poor guy who changes phones, gets divorced, moves, or for some reason manages to lose his account number. I?m sure ING is wonderful ? until you have a problem. I have used ING for a few years now and I have never had a problem so I...

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Biting the Bullet
Nov17

Biting the Bullet

After staring in confusion at all of the different solutions to reduce debt I have settled on one plan. Deep breath….and here we go! Total my debt. Rank in order of highest to lowest interest. Cut back on unnecessary spending. Pay off highest interest debt before lower interest debt. I decided to go with this approach because I think it will fit my situation better. I have already added up my debts and assets and I keep track of...

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Free Tee Shirt

Today I got a free tee shirt from the school. Apparently they are giving free tees to the first 1000 students who get tickets to support the football game in an effort to boost student participation. This means I get another free tee shirt to add to my ever growing collection of FREE TEE SHIRTS!!!!! Hooray! Sure it has the school logo or some other reference to the school…but hey it is one more shirt that I did not have to spend...

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Improve your credit score

5 steps for improving your credit rating Close out your newest accounts so that you don’t lose your longer credit history. Close out accounts slowly over several months. Verify that all accounts you’ve closed are reported as “closed by consumer” for the best report. Even if creditors offer to raise credit limits, allow yourself only moderate credit limits. Keep your balances low and avoid revolving balances...

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Follow up exam

Okay folks I had to go BACK to the optometrist today because my contacts felt very dry and my vision was blurred. By the time 2 o’clock rolled around I felt like there was sand in my eyes. My contacts were sticking to my eyeballs and I could feel the edges of the lenses scraping against my eyelids. When I explained how I felt the doctor told me that the contacts they had given me were not for people with dry eyes! I said to...

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