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Archive for 'Money Management'

Gift Card Idea: eBay Digital Gift Card – Mothers Day Design

eBay Digital Gift Card – Mothers Day Design – Email Delivery

$200.00
End Date: Thursday May-12-2016 8:16:21 PDT
Buy It Now for only: $200.00
Buy It Now | Add to watch list



Find Gift Card deals on Ebay

I often buy discounted gift cards on Ebay to save some money. Here is an updated list of cards that are available now. This is a live list so feel free to bookmark and check it every so often.

Here is a sample of today’s offerings on eBay.

eBay Gift Card $15 to $200 – Fast Email Delivery

$200.00
End Date: Monday Aug-21-2017 16:41:33 PDT
Buy It Now for only: $200.00
Buy It Now | Add to watch list

eBay Digital Gift Card – Blue, One Card So Many Options – Email Delivery

$200.00
End Date: Friday Aug-11-2017 16:26:19 PDT
Buy It Now for only: $200.00
Buy It Now | Add to watch list

eBay Gift Card For The One Edition $15 to $100 – Email Delivery

$200.00
End Date: Monday Jul-24-2017 9:54:22 PDT
Buy It Now for only: $200.00
Buy It Now | Add to watch list

$200 eBay Gift Card – One card, so many options. Fast email delivery

$200.00
End Date: Monday Aug-21-2017 21:19:52 PDT
Buy It Now for only: $200.00
Buy It Now | Add to watch list

eBay Digital Gift Card – Thank You Designs – Email Delivery

Find Silver Eagles on Ebay

I have been following the demand for silver and regret that I didn’t start buying it last year like I wanted. Silver is currently undervalued and worth looking into now. If you are careful, you can get silver eagle coins on eBay at market values. I always check the feedback from those selling and also like to take advantage of the “best offer” feature. If you lookup the market price of silver and add 15% for markup you should be buying at a reasonable price.

Here is a sample of today’s offerings on eBay.

1987S American Eagle 999 Silver Dollar Proof with Box Case & COA (US Mint, 1987)

$42.00 (2 Bids)
End Date: Sunday Jul-23-2017 16:09:07 PDT
Bid now | Add to watch list

2010-W Proof 1 oz. American Silver Eagle PCGS Certified PR69DCAM (30591687)

$62.95
End Date: Sunday Jul-23-2017 16:09:09 PDT
Buy It Now for only: $62.95
Buy It Now | Add to watch list

1990-S Proof 1 oz. American Silver Eagle PCGS Certified PR69DCAM (30591644)

$56.95
End Date: Sunday Jul-23-2017 16:10:04 PDT
Buy It Now for only: $56.95
Buy It Now | Add to watch list

1988 PROOF AMERICAN SILVER EAGLE W/ BOX & COA #31

2009 Financial Goals – March Update

So I stated my 2009 Savings goals in January and it is time for an update on the progress so far.

First we wanted to contribute towards an emergency savings fund. We are on track with another deposit last month. It is great to watch that balance rise. Several articles I have researched stated that you should have 6-8 months on hand and that won’t happen this year, but it is nice to invest in yourself.

Second, we wanted to contribute towards a fund for a new car. Well we have been able to add extra last month so we have about 2000 ready for another vehicle.

Third, I wanted to save towards a vacation fund. I had also been able to put in a small amount. Perhaps we have enough for a weekend away if we don’t mind camping. LOL. A vacation is really not high on my priority list right now….

Progress feels good.

MyFico 30% sale.

Free FICO® Credit Score Estimator

Last year I pulled my Fico scores and found several mistakes that we corrected. Our credit score was raised 20 points after the removal of these simple mistakes. I check our scores every six months. Myfico.com now has a 30% discount to celebrate its 8th anniversary.

FICO Credit Score – $31.90 $22.32 – 30% off discount
FICO Quarterly Monitoring – $49.95 $34.97 – 30% off discount

The discount is good through 03/31/2009.

Free Home Based Investing Course.

Investing In Your FutureAre you looking for a great resource on home investing? Here is one called Investing In Your Future.

I am through Unit 1. Basic Building Blocks of Successful Financial Management. So far it is common sense. I am planning to print the course out and read to my hubby on our daily work commute. Hopefully he doesn’t get too bored. I have been trying to get him more involved in our savings plan.

The units are:
* Introduction
* Unit 1: Basic Building Blocks of Successful Financial Management
* Unit 2: Investing Basics
* Unit 3: Finding Money to Invest
* Unit 4: Ownership Investments
* Unit 5: Fixed-Income Investing
* Unit 6: Mutual Fund Investing
* Unit 7: Tax-Deferred Investments
* Unit 8: Investing Small Dollar Amounts
* Unit 9: Getting Help: Investing Resources
* Unit 10: Selecting Financial Professionals
* Unit 11: Investment Fraud
* Study Guide
* Action Steps
* Monthly Investment Messages
* Glossary

I found the course while blog surfing (Thanks to Get Rich Slowly).

2009 Financial Goals – February Update

So I stated my 2009 Savings goals in January and it is time for an update on the progress so far.

First I wanted to contribute towards an emergency savings fund. We started it with 500.00 and have added 500.00 at the end of January. We are on track.

Second, I wanted to contribute towards a fund for a new car. Well we have 800 so far. I was hoping for 500 per month, but 800 works too. We also have a friend is thinking of selling an older used car with lower miles. We told him we would like it if he chooses to sell for around 1500.00. We could either replace my husbands car or have an extra car for my daughter.

Third, I wanted to save towards a vacation fund. I saved $118 using coupons in January so we are on our way…..

Progress feels good.

2009 Financial Goals

First off we want to get back on financial track for 2009. We did not do bad in 2008, but I had totally quit blogging. Now I am back.

Our goal and focus for 2009 will SAVING. We have managed to be debt free at this time but I am embarrassed to admit that we have next to nothing in non retirement savings. 2009 is the year to fix that.

Our first goal is emergency savings. I have just purchased an 11 month cd with a 3.75% rate as a first step. I will add to this CD or start a new one if the rates rise. Each month my goal is to put $500 into emergency savings. That will hopefully give us $6,000 by the end of the year. That is not a hefty emergency plan, but a start.

Free Suze Orman 2009 Action Plan

2009 Action Plan

With her last few books I have noticed when Suze Orman publishs a new book she offers it free as a pdf download on Oprah. I received the previous 2 books this way. They are great books by the way. Her new book – 2009 Action Plan is being offer now through January 15, 2009 for free. Download it now.

Free Suze Orman Download

Just where is your money going?

Ever wonder why you money is disappearing so fast? All the financial advice books recommend you jot down all the money you spend in a month (including your spare change for coffee) and study the results.

Ok I tried this dozens of times and just can be arsed to do it manually. We there is a free tool on the net to track your expenses. Check out Walletproof.com and track your expenses over the internet.

Since I am always on the computer, it should be easier. I am wondering if perhaps I will not like what I find at the end of the month. (no more starbucks for me….)

Credit Cards and the Universal Default Clause

The credit card companies are forever finding ways to make big bucks. One of the main reasons we are on a budget is because we didn’t learn how to manage our credit cards correctly. A mistake that we are going to great pains to learn from. A late payment lead to such an increase in our interest that it proved to be a domino effect. Obviously we were at fault for screwing up, but the CC industries thrives on your mistakes. Heres one way.

I recently read about the Univeral Default Clause that is cropping up on Credit Cards. Basically this clause allows the credit card to up your interest if you are late on any payment, not specifically their credit card. Imagine paying your phone bill late and suddenly your credit card goes from 2% to 30% overnight.

According to the Institute of Consumer Financial Education, currently almost 40 percent of credit card issuers apply a hidden in fine print Universal Default Clause to their customers.