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Mental spending

A few days ago, I was talking to a friend who was excitedly discussing her holiday bonus.  Amazingly, she works in an industry that’s doing quite well, and her (privately owned) company is paying out bonuses this year.  They don’t know how much they’re getting, but she got an estimated figure from someone allegedly in [...]

How much money do I really bring in?

As much as I love spreadsheets and tracking my finances, I realized recently that one thing I don’t know is how much money I bring in every month.

Sure, I know what my paycheck is and if I have any alternative income that month (blog checks, Ebates cash back, etc), that gets tracked in detail, but [...]

Some Useful Saving Info

I just had a CD mature, so I’ve been scoping out rates at banks I know and trust.  I put together a table and as I was looking at it, I thought, “Hey, the blog readers might like this as well.”  So here you go.

ING Direct
HSBC Direct
FNBO Direct

6 month
1.25%
1.75%
1.25%

9 month
1.50%
2.05%
1.25%

12 month
1.50%
2.30%
1.50%

18 month
1.50%
2.35%
1.75%

24 month
1.50%
2.05%
2.25%


There are other [...]

Borrowing from yourself

As anyone who reads this blog knows, I’ve been using YNAB for over a year now, and I love it.  I use the spreadsheet version because I’m kind of a spreadsheet geek.  I’m always recommending the program to people who are working on getting their finances in order, but I find there’s always one big [...]

Becoming immune

The Frugal Duchess hosted this week’s Carnival of Personal Finance, and highlighted one of my posts!  Check it out.  It’s been a while since I’ve submitted to a Carnival of any sort, so it’s great to be a part of this one.

So this week, the Fed cut rates again.  Honestly, I think I’m becoming a [...]