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Archive for April, 2007: Ima Saver's Personal Finance Blog
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Archive for April, 2007

Biggest bank in town.

April 30th, 2007 at 03:32 pm

I just got back from the biggest bank in our town. It has been in business for well over 50 years here.
I have kept my cash in two other local banks because they pay more interest. This bank's president stopped by our table one night and I told him that was why I have no money in his bank. He promised to give me a rate of 5.45 on a jumbo C.D.
Well, I stopped by today and he was not there. The best the staff could offer me was 5.0%
Heck I am getting 5.25% with my money market account at one bank and 5.75% with a C.D. at the other bank.
The biggest bank makes all the loans in town, why don't they pay out the highest rates?
I need to find somewhere else to put this cash, cause I am way over the fdic insured amount. I really don't like banking on line.

Braves win two!!

April 29th, 2007 at 02:58 pm

The braves have won their last two games, I walked over a mile yesterday and we saved $5 using our store card at the grocery store last night, so there is $8 to add to the challenge.
Dh went to work as usual, but he is coming home early to cut grass and work in the yard.
Later I hope to drive out to a new subdivision to look at a $200,000 lot people want us to build on.

Prev. total $8913.00
today 8.00
new total $8921.00

A pretty spring day

April 28th, 2007 at 05:45 pm

It is a very pretty spring day here today, the kind that is just perfect. No heat on, no airconditioning. I love low electric days like this.
I did my grocery shopping this morning and saved $2 using my store card. I also walked a mile yesterday plus did my 20 flights of stairs. so I am adding $4 to my challenge money.
Prev. total $8909.00
today 4.00
new total $8913.00

GM mastercard

April 27th, 2007 at 07:27 pm

I got a check in the mail for the rebate that I had requested from my GM mastercard. It is nice to charge things and get money back.
My husband charges all of his building purchases at home depot, then I pay off the balance in full each month. When you earn $100, you can request a check.
Of course, I will add this to my challenge money.
Prev. total $8809.00
today 100.00
new total $8909.00

Getting my deposit together

April 26th, 2007 at 06:50 pm

I am working on getting my deposit for the bank ready. About once a month, I take everything that I have saved, to the bank that pays 5.25%. So, i still have "Ridge" money to add to my challenge total.
Prev. total $8644.00
today 165.00
new total $8809.00

Another check

April 25th, 2007 at 05:17 pm

I got a check today for $538.00 I also saved a dollar on sausage on sale and the braves won, for a total of $540.00 to add to my challenge money.
prev. total $8104.00
today 540.00
new total 8644.00

low electric bill

April 24th, 2007 at 09:48 pm

I got my electric bill and it was way under budget, so I have an extra $100 to put in my challenge money.
Prev. total $8004.00
today 100.00
new total $8104.00

A few dollars more.

April 24th, 2007 at 06:33 pm

The braves won on sunday and I walked 2 miles on my treadmill. I saved an extra $1 buying sprite on sale today. So, that will be $4 to add to my challenge money.
Prev. total $8000.00
today 4.00
new total $8004.00

A fun day

April 23rd, 2007 at 02:51 pm

Today will be a fun day, my bridge group is coming over to my house to play bridge. I already made my run to the bank and have done my budget for the week. It was a good paycheck as my husband worked over 70 hours. I am able to save 25% of it this week.
I also have my"ridge" money to add to the challenge money.
Prev. total $7835.00
today 165.00
new total $8000.00

$1583

April 22nd, 2007 at 07:31 pm

$1583. That is how much my net worth increased yesterday. That was the amount of interest that was credited to my money market checking account yesterday.
I know that soon I will have to take some of that money, buy a lot and start a new house for sale, but right now, it is nice to let that interest accrue.

Saved some money today.

April 22nd, 2007 at 05:22 pm

I have saved some money today. First of all, I colored my hair as I have been doing for about 35 years. I am sure that has saved me at least $50.
I am making my own distilled water.
The heat and air are off. We haven't need the air yet, but we are still getting frosty mornings.
I picked up our dinner at the store and saved $3 using my store card. I will add that money to my challenge money.

Prev. total $7832.00
today 3.00
new total $7835.00

hummingbird time.

April 21st, 2007 at 06:02 pm

I filled up the hummingbird feeder and hung it outside today.. Already the squirrels are on it and making a mess. I haven't seen any birds yet.
We took on a new house to "fix" this week. It is a new house, but really a mess. The roof sags, the floor sags and there is a jack holding up the floor. Eveny thing in the house is out of plumb and out of level. I hope dh can get all the problems fixed so the house will sell for the owners.
The braves won last night, I walked over a mile and did 20 flights of stairs, so I have $3 to add to my challenge.
Prev. total $7829.00
today 3.00
new total $7832.00

Got a check from the state

April 20th, 2007 at 09:10 pm

I got a check from the state of Georgia. It is my state tax refund of $10. I also used two coupons and my advantage card to save $8 at the grocery store. I will add this $18 to my challenge money.
Prev. total $7811.00
today 18.00
new total $7829.00

No spend day

April 20th, 2007 at 03:26 pm

I had a no spend day yesterday. My dh had to go to the dentist, but he came home with the blank check. The dentist had to fix a broken tooth and there was no charge. Got to love that!!

I forgot.

April 19th, 2007 at 10:11 pm

Opps, I forgot. The braves won last night and I did 20 flights of stairs today. That is another $2 for my challenge.
prev. total $7809.00
today 2.00
new total $7811.00

How to retire rich!

April 19th, 2007 at 08:04 pm

Start young. Save 10% of all you make and invest it in a good mutual fund. Never touch it and you will retire a rich person.

A no spend day!!

April 19th, 2007 at 07:41 pm

today is turning into a no spend, no gas day. I even let my dh take my car to the dentist so I won't be tempted to go downtown. Guess I can add a few dollars to my challenge money.
prev. total $7807.00
today 2.00
new total $7809.00

Braves won last night!!

April 18th, 2007 at 07:26 pm

The braves won last night and I walked a mile, so I can add $2 to my challenge. I just bought my favorite sugar free candy on sale and saved $3. Then I found a dime by the coin sorting machine. I will add the $5 to my challenge and the dime to my change jar.
Prev. total $7802.00
today 5.00
new total $7807.00

requested a check

April 17th, 2007 at 07:45 pm

I just checked on my credit card balance. I see where the statement was just mailed out and I have enough money to redeem, cause they pay me 1% back for using the card. Dh charges all his building supplies at home depot and we pay the card off each month.
So I just earned $100 to add to the challenge when it arrives. Good deal!

First trip to Wal mart

April 17th, 2007 at 06:04 pm

Today was my first trip to Wal mart in about a year! I try not to go because I always spend money.
I have a new dog groomer and he lives about half way to wal mart. Rather than go back home today, I went to buy liquor and then to Wal mart.
I actually think I did pretty well. I only spent $40. I got some things for the kitchen that I needed; a new frying pan, some rammkins, dish towels and I bought my dog a little chair for outside. She likes to sit out with us on the back deck.
I did have a no spend day yesterday and I walked one mile. I can add $2 to my challenge money.
prev. total $7800.00
today 2.00
new total $7802.00

Extra $50

April 16th, 2007 at 10:15 pm

I have an extra $50 in my insurance envelope, so have decided to put this extra money in the challenge money.
Prev. total $7750.00
today 50.00
new total $7800.00