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Saving

A Better ING Direct Deal

by Flexo

I didn’t realize this deal at ING Direct was still active. I was looking through my archives and I found my post from September 9, 2003. In that post, I included a link to a better ING Direct offer than the one you find all over the internet (especially blogs) where the originator gets $10 ... Continue reading this article…

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ING Moves Up Again

by Flexo

ING Direct has increased the interest paid to its savings account customers to 2.35 percent. If you’re not keeping your emergency fund, or any money you’re not investing/gambling with here, you should think about opening an account. If you do want to open an account, I can offer you $25 for doing so through a referral ... Continue reading this article…

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‘Tis The Season For Giving

by Flexo

An article on CNN Money gives readers tips on charitable giving: * Give With Confidence (research the organization you choose to determine its legitimacy) * Wide Up Over the Phone (don’t be taken in by scammers) * Beware of Mail Tactics (don’t be taken in by scammers—again) * Be In It for the Long Run ... Continue reading this article…

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ING Direct Moves Up

by Flexo

Month after month, I’ve been incredibly happy with ING Direct for my savings accounts. I just noticed that their interest APY has gone up to 2.25 percent. I haven’t found anything higher for savings account. Email me for a referral and you’ll get $25 to open your account and I’ll get a $10 bonus.

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Travel Savings

by Flexo

Liz Pulliam Weston explains through an article on MSN Money how travelers can save money. She suggests, for frequent travelers, to build loyalty to a specific airline with good benefits rather than always shop for the lowest price. I only fly about three or four times a year at the most, so I can’t say ... Continue reading this article…

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It Never Hurts to Ask

by Flexo

Or more accurately, it never hurts to call and threaten cancellation of a service. I called my cable television company today to get rid of HBO, since I never watch it. I only had it because at one point, it was cheaper for me to have it than not to have it*. That promotion ended, ... Continue reading this article…

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Extreme Money Ultimate Kung-Fu Challenge

by Flexo

Jeanne Sahadi takes the simple question, “How do you define ‘living within your means?’” and turns it into some kind of poorly-dubbed martial arts movie or strange game show (if you judge by the title of the article). Nevertheless, I agree her with her analysis of the above phrase: Ideally, I’d define living within your ... Continue reading this article…

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Short-Term Savings

by Flexo

The Motley Fool on the importance of short-term savings. Having an easily accessible cash stash can prove to be one of the most important parts of your saving and investing strategy. Maintaining the liquidity of the equivalent of six-to-twelve months of your expenses means that if you run into an emergency, you don’t have to ... Continue reading this article…

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Afraid of Appearing Cheap

by Flexo

There’s a nice response on Gothamist to a reader who writes in to ask: Sometimes I get invited to events that are out of my price range, like dinners at expensive restaurants… I want to hang out with my friends without seeming like a cheapskate. What should I do? The Gothamist suggests planning the outing ... Continue reading this article…

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Hooray for Junk Mail

by Flexo

It’s not technically spam in this case. I signed up for an ING Direct savings account a while ago, and my regular readers have probably seen many entries on Consumerism Commentary about how happy I am with this bank. In fact, at the moment they offer 2.2 percent APY on their savings account which is quite ... Continue reading this article…

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Live Well But Spend Less

by Flexo

Donna Dratch reminds us to pay more attention to the way we spend and save. More importantly, the author reminds me to start getting back on track. It’s been a crazy summer of dating, going to shows, and just spending more money than I should have. I even “upped” the available minutes on my cell ... Continue reading this article…

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Collect on Interest

by Flexo

The Federal Reserve (“the Fed”) raised interest rates yesterday. That usually means that banks follow suit, raising interest rates in the loans they offer and some investment products, like CDs. I’m going to use this opportunity to change some of my cash investments into CDs at ING Direct. This bank already raised its interest rates ... Continue reading this article…

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Are You Saving?

by Flexo

MSN Money – 7 reasons Americans save so little This article makes us aware that Americans do not save enough money and throws us some statistics. Psychology, miseducation, and no consequences for being in debt seem to be the reasons offered. How much of your income (as a percentage) do you save?

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Tips for the New Year

by Flexo

Keep more in 2004: 8 resolutions – Dec. 24, 2003 CNN presents five tips as we head into the new year. And here they are, summarized for your quick acceptance or rejection: Pay yourself first by saving for your retirement directly from your paycheck. If you’ve procrastinated this year, get over it. Quit smoking. Get ... Continue reading this article…

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Live Cheap, Look Rich

by Flexo

MSN Money – 9 ways to look rich but live cheap This article offers some tips on how to live a rich lifestyle while not having to spend much money. I’ll revisit this later.

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Financial Happiness

by Flexo

The 10 commandments of financial happiness – Oct. 2, 2003 According to the tips within this article, I should be pretty happy at this point. How happy are you?

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Win Ben Stein’s Advice

by Flexo

The Secret to Ben Stein’s Money is saving, saving, saving. Take his advice.

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Good Rate for Savings

by Flexo

Their ruthless tactics are starting to pay off for savings-minded customers. Capital One is the type of company that offers credit cards to people with poor credit history. People who are happy to qualify for a credit card are willing to pay high interest rates (upwards of 20 percent APY) and yearly fees (upwards of $50) ... Continue reading this article…

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Basic Advice For Future Millionaires

by Flexo

We’ve compiled a list of some rules of thumb that you might hold up against your budget, debt, savings, life insurance and net worth. This article paraphrases most books on personal finance, and manages to do so in just a few short paragraphs. I can do one step better: I’ll now paraphrase the article into ... Continue reading this article…

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Saving Early And Often For Retirement

by Flexo

In real estate investing, the mantra is location, location, location. In retirement planning, it’s save, save, save! People are getting older and older before they die. That seems like an obvious statement if you read it one way, but also, the average human life span keeps increasing. The more you live, the more money you’ll ... Continue reading this article…

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