MarvinRanks

I wanted to let everyone know that HSBC Direct changed its name to HSBC Advance. They will still offer the same very low rates, along with CD’s and all the other stuff. The current rate for their online savings account is 1.20! More information below: I also got an email from Etrade, they are selling [...]

I know we are not the best at managing money and we continue to use credit cards but I’m proud to say I finally have the Emergency Fund in place. I got the idea from Dave Ramsey who teaches to have at least $1,000 in emergency savings at all times. I took it a step [...]

The balance on our Citi professional card is over $5000! I’m hoping our tax return can reduce this balance by $2000. There’s really no big purchases on the card, most of the recent charges are for food and gas but as you can see, the small stuff really adds up: At least this is our [...]

We still made slow progress this month. My husband only received one regular check in January and anything extra we had we put into our emergency fund. Both our jobs have become slightly more stable but neither of us feel comfortable without a sturdy safety net. Overall, the job loss was good for us. We [...]

Here is another one of our bills, this bill is from our cell phone provider. Both of our cell phones are with T-Mobile. We have been customers since 2002. As some of my readers know, we like the Iphone, the wife and I both have Iphones on T-Mobile. We are currently on one of their [...]

Quick update on our Citi credit card. We still have a balance of over $4,000! I made payments close to $2500 but we continue to use the card. The reality is that things come up, friends want to go out and the small things really add up: No plans to pay this off this year, [...]

1.) A car payment 2.) An elderly woman wearing pants with ‘Naughty’ crocheted across her hind quarters. While I can’t stop an octogenarian shopping at my local Target store from reliving her youth inappropriately, I can stop car payments. How? Our tax refund this year is just shy of $6,000. We will wipe out 60% [...]