UPDATE: 2012 Savings Challenge

2012 Savings Challenge, Uncategorized
Come join me!   Please leave a comment below of what your financial goals are this year!   Let’s work together to achieve them. 2012 Savings Challenge Our financial goals for 2012: Short term goals Refinancing our mortgage.  DONE!  CHECK!  We did it!   We refinanced our mortgage and got a lower rate and lower payment.   Like I mentioned in my earlier post be prepared for anything.   Right now even those with excellent credit are having problems with the refinancing process so take a deep breath and go for it.  It will be a bumpy ride but worth the savings. Prepare yourself! 1. Make at least 2 copies of your most recent pay stubs or income statements. 2. Collect all of your bank statements for the last month including checking, savings, CDs,…
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ING Direct Offering Specials on 7/1/10-7/2/10

2010 Savings Challenge, Financial, Uncategorized
I'm a huge fan of ING Direct.  It is simple to use and it is the best way to save automatically.  I'm a firm believer of paying your self first by automatically saving from each paycheck or per month.  Then I pay the rest of the bills with what I have. That way I can't overspend. In my email this week, I got a hint to a new sale ING Direct Financial Independence Days Sale that ING Direct is going to offer July 1-2. Check out  Netbanker.com who wrote an article with more details about the sale.  Back in November last year they had a great Thanksgiving Sale that offered money after signing up for their FREE e-checking account.  Super easy to do and a great account to use as…
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DIYPlanner.com – Check it out! Get Organized for 2010!

DIY, Financial, Uncategorized
Organization is a never ending battle.  No matter what life throws at you, you will be disorganized at one time or another.  There have been times I have been so organized it felt great, but life does happen and that planner gets left at home, or the monthly to-do list gets misplaced on the kitchen table with the mail.  Now, that I'm a working outside the home Mom, being organized is a dream!  Even in my About Me I mention my struggle with organization - "I hope as time goes by I will have the opportunity to learn to organize my time better and post deals as well as shopping trips." I was a Day-Timer fan for years.  I still have a place in my heart for the Day-Timer concept,…
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2010 Savings Challenge

2010 Savings Challenge, Financial, Uncategorized
I'm a huge fan of so many bloggers including Mrs. MoneySaver and Frugalfriends.wordpress.com.  It is so inspirational to read about each of their goals for 2010! I'm so excited because if you read my earlier post from last year about our financial goals 2009 I'm excited to say that we've done everything on the list and then some!   We've done a lot and we continue to stay on track! This is what we did in 2009! 1. Continue to pay our credit cards each month! 2. 6+ months of expenses for emergency fund 3. Increased each of our life insurance policies! 4. Got an umbrella policy. 5. I'm super excited to say that we maxed out on our retirement accounts! 6. We started a 529k for our daughter and family…
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Free Download of David Bach’s New Book –

Books, Financial, Freebies, Uncategorized
Click HERE to download David Bach's New Book - Start Over, Finish Rich 10 Steps to Get You Back on Track in 2010 for FREE!  Today only - started 1/4/09  and will stop sometime today - 1/5/09!   Hurry! From David Bach: Why am I Giving this Book Away? Now that is a great question! And the answer is I truly want to help millions of you make 2010 your best year ever. I know many of you may not be able to afford a book at this time and this was my best way to give back in 2010 and help as many of you as possible. We know that giving away this book five days after it is released is risky and may hurt book sales, but I’m willing…
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Mint.com – free personal financial tracking!

Financial, Software, Uncategorized
Since it's the beginning of the year its that time again to start getting taxes ready and organize my financial information. I used to be a big fan of Quicken and Money but both programs have limitations and require a lot of work in my opinion.  I usually would have to spend 1 to 3 hours a month to add all of the account information and figure out my financial situation.  In addition, I prefer not to pay $30 to $60 for software that I didn't think really helped me much.  So, I did some research a couple weeks ago and I discovered Mint.com. What is Mint.com? Mint.com is a personal online financial tracking system for free!  That's right free!  You create a secure account online and add your login…
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Financial Goals 2009

Financial, Uncategorized
This evening I've been updating my blog.  There is so much to talk about and so little time.  I now realized that it is 11:10PM so I need to finish up and go to bed.  The little one is in bed and I'm sure she will wake up early.  In the mist of updating my blog  I found Money Saving Mommy's blog on 2009 goals Her blog always inspires me to save even more.  I have to admit I'm not as good a saver as other bloggers have been and it really helps to see others who believe like we do. In 2008, we had our wonderful daughter and realized that we had to do better about our finances.  We knew we had to start a 529k and we need…
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