Last month:
- Cut back on grocery bill, clip coupons--Trying to do $100/mo this month
- Start contributing $275/mo for 11 months to windows bill (started 7/09)--PAID!!
- split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 1/10 $416, $20 Zak
- I have my emergency fund established and that's the rest of my savings. I would contribute my $265 from emergency and $265 of house plus rest of money into it every month. I have to look into it more though. Now as i look i'm thinking Capital One's Intrest plus saving account. Well I used that account and if you maintain a $15000 every month then you get a 10% increase in interest at the end of the quarter. I will be able to do that. I moved my money today and then moved my emergency fund which I dont get the 10% on but still a way better interest rate. I also will be moving Zak's savings and house savings when they get bigger ($2500 at least)---started 2/10
- I'm looking into Smartypig. Though, they have a 2.01% apr, pnc has a virtual wallet account. If you are interested look into the two, they are kinda cool.PNC has a cool iphone app with theres which is drawing me closer to it. I want to see if they have an incentive to open an account. Adam said when they switch over in April they should.
- I also would like to cut back on the home supplies/improvement this month. Spent a lot on the kitchen last month.---Not too bad with this
- Make appointment with Tax lady---just waiting on the taxes now
This Month:
- Cut back on grocery bill, clip coupons--Trying to do $100/mo this month
- split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 1/10 $416, $20 Zak
- I have my emergency fund established and that's the rest of my savings. I would contribute my $265 from emergency and $265 of house plus rest of money into it every month. I have to look into it more though. Now as i look i'm thinking Capital One's Intrest plus saving account. Well I used that account and if you maintain a $15000 every month then you get a 10% increase in interest at the end of the quarter. I will be able to do that. I moved my money today and then moved my emergency fund which I dont get the 10% on but still a way better interest rate. I also will be moving Zak's savings and house savings when they get bigger ($2500 at least)---started 2/10
- Finish offers for the $500 visa giftcard--offers completed, waiting on verifications
NEW COLUMN:
Expenses I expect this month:
- Taxes ($65)
- Kalahari ($300 plus food...say $450 total)
- boarder for Zak's room ($30)
- extra gas mileage due to kalahari and RNC training at Metro (i'm going to use speedy points)
- out with uncle dan and gina ($30)
- total expected expenses: $575
Ok Red is this month and Purple is last months:
For my accounts according to mint.com:
- PERSONAL
- Etrade (high yeild savings account): $1494.76 1,475.52 down $19.24
- Etrade (house fund): $265.26 $265.36 up $.10
- Etrade (emergency fund): $1.66 same
- Chase (low yeild checking): $3267.78 $3,972.55 up $704.77
- Charles Schwab (high yeild checking): $2252.82 $1831.59 down 421.23
- Charles Schwab savings: $1658.15 1,281.97 down $376.18
- First Merit checking: $2028.77 1,022.48 down $1006.29
- Capital One emergency: $15,000 $15,015.39 up 15.39
- Capital One Savings: $3939.80 $3,933.83 up 5.97
- INVESTMENTS
- Charles Schwab Roth IRA (5/09 opened): $5666.60 6,101.59 up $434.99
- LHS retirement account: $3056.55 3,740.13 down $683.58
- OPERS retirement account: $8089.66 $8,454.47 up $364.81
- Zak's Etrade savings account: $1,494.11 1,535.34 up $41.23
- Zak's CollegeAdvantage fund: $1097.90 1,126.59 up $28.69
- MISC
- Coupon savings this month: $39.83
- Speedy points: 147876 148282 up 406
- Swagbucks! New: 680 (all swagbucks are now 10)
- Shop at home.com points: $13.62 same
Totals:
up $21.46 actual money for February. That's the lowest ever...and I dunno why. Sad though.
Focus Friday