Jun 24th, 2007 by Credit Boss
Are you looking for the $25 INGdirect Bonus referral? if so I have an account with a few referrals left. You have to deposit $250 to get the $25 and if you do I also earn $10.
So if you need the $25 referral for INGdirect let me know. I will send them out on a first come first serve basis.
[tags]INGdirect, referral[/tags]
Jun 23rd, 2007 by Credit Boss
the simple dollar has a post about emergency funds and how much is to much. Interesting topic as I was talking to my wife about this today as we drove between Spring and The Woodlands.
I like a 2 month emergency fund that I can get out fast. After that I like a few more months in a mutual fund that I can get out pretty quick. Above and beyond the emergency fund I am looking to get the best return on my money. Wherever the best return is, is where my money will be.
How much emergency fund do you have?
[tags]emergency fund, savings, mutual funds[/tags]
Jun 17th, 2007 by Credit Boss
MoreMerchant.com has written a great article on YPN’s Quality or Smart Based Pricing.
Yahoo! Publisher Network released Quality-Based Pricing almost 2 weeks ago and I am beginning to formulate my thoughts.
I have kept quiet on my blogging network as well as not posting comments on other sites. I wanted to see results. I read a lot of complaining on various sites, but there were no facts. I needed to see numbers and I knew all the complaining in the world wasn’t going to change what YPN had done. Full Review of YPN’s Quality-Based Pricing at MoreMerchant.com
[tags]YPN, Yahoo, Blogging, Advertising, Make money on the web[/tags]
Jun 17th, 2007 by Credit Boss
MoreMerchant.com today posted an article on mortgage insurance and how it is not a good deal. It is best to purchase life insurance for the same rate because as you pay down your mortgage you continue paying the high rate of mortgage insurance even though they pay out less if something unfortunate was to happen.
Jun 13th, 2007 by Credit Boss
Have you done a budget lately? We have moved in the past couple of months and our budget has been changing every month. This month as things would begin settling down we found out that we would be having another baby. This of course will change things dramatically.
So a new job, a new home, and now a baby make for exciting times but stresses to a family budget. So many people put off making a budget when things are changing. Do you think this is a good way of handling your finances?
When times are turbulent you need to not only do a budget, but you need to keep refining it weekly if needed.
Jun 7th, 2007 by Credit Boss
My friend over at My new Choice is talking about how much you spend eating out.
He says to Stop Eating Your money!
My wife and I found our early on that by not eating out often, not ordering drinks and dessert would save us thousands each year. It has paid off and allowed us to not live off of credit.
From My new choice:
How much money do you budget each month towards eating away from home? Maybe I should first ask whether you are even following a budget or spending plan but the truth is that people are spending more and more on eating out.
He also pointed to some great stats:
:: In 1960, 21% of overall food dollars were spent on meals away from home.
:: In 2005, 44% of overall food dollars were spent on meals away from home.
:: In 2006, 24.1% of restaurant meals were ordered from the car.
:: In 1985, 23.6% of home-cooked meals included dessert.
:: In 2006, 14.6% of home-cooked meals included dessert.
This is a lot of money the normal family spends eating out. Do you find yourself waiting for the next paycheck to come? Do you live off credit cards as your way to survive? Then stop eating your money!
May 30th, 2007 by Credit Boss
Yesterday I received a letter in the mail asking me to switch to semi-monthly mortgage payments. Well it actually said bi-monthly but who really knows what that means?
The bottom line is if I pay twice a month to my mortgage in an amount that is equal to my normal monthly mortgage then I will save almost 8 years. It will take me about 22 years to pay off a 30 year mortgage.
That is a HUGE savings and you can take that to the bank. Continue Reading »