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Free computer programs...

December 13th, 2006 at 03:51 pm

I found this site:

Text is giveawayoftheday.com and Link is
giveawayoftheday.com

There are some neat little applications available for download. I have yet to download anything because I really haven't had the time or energy to browse around. When I get a chance to do so I will post a follow up. Enjoy.

Are you throwing away $144 per year?

September 7th, 2006 at 07:43 pm

When we purchased our new home this past April, I found an old Planters peanut jar while unpacking. Why it was there, I don't know. Instead of throwing it out, I decided to keep it in my bedroom closet so that I could empty all of the change from my pockets each night. Before I did this, my wife would yell at me because I would just dump the change on the kitchen counter or on my dresser in the bedroom. I was interested in just how much money I was throwing around.

Day after day, I would return home from work, head up to the bedroom and empty the change from my pockets. A penny here, a nickel there, and the occasional quarter and dime ended up in that old peanut jar. This went on until August 26, 2006 when I took that now heavy peanut jar to the bank and threw the change into one of those coin counters...........$60.80! Wow! Not bad for 5 months worth of change. Comes out to about $12 per month or $144 per year. I was throwing away $144 per year! Never again. Needless to say, the jar is starting to fill up again.

Oh yeah...this was put towards my mountain of debt.

0% through April 2007

August 31st, 2006 at 03:16 am

I have just applied for a 0% intro rate Visa card. This card would give me a 0% interest rate for approx. 6 monts. Let's say I get approved for a $5000 credit line and transfer $5000 right away with no fees attached to the transfer. I did request the entire $15k to be transferred. This would leave me with approx. $10k left on another credit card. I am thinking of only paying the minimum amount on the 0% card and attacking the other card as fast as I can to reduce the amount of interest being accrued. Decisions, decisions, decisions.

Increasing Credit Card Debt!?!?!?!

August 30th, 2006 at 05:19 pm

Why would I be so stupid! I have just signed up to have my cable, phone, internet & cell phone bills paid automatically to my Amex card! I thought I was supposed to decrease my credit card debt. Well, it is one of those reward cards. A Costco reward card to be exact. I will be earning Costco cash that will be redeemable in February of March. I have enough faith in myself to pay off the Amex bill at the end of each month (the Costco Amex allows you to carry a balance). I will just take the amex card out of my wallet so I don't use it by "mistake". I know that I am taking a chance on digging myself an even larger hole but I am willing to take that chance for an extra $100 in Costco cash!