As you might imagine, I am inclined to pay attention to my finances on a regular frequency.
Here are some recent things I have done financially that will help me out in the long run.
- I opened an ING Direct on-line FDIC-insured savings account that is paying 4.50% interest. By opening this account with $250, ING Direct gave me $25! The whole process took less than 10 minutes and I had $25 in free money in my account! If you have $250, you also can get $25 FREE by clicking HERE. NO MORE "FREE $25 LINKS LEFT" – BUT you can still get a great account that is paying 4.20% interest with a minimum balance of $1 by clicking the link at the top right of this page or by clicking HERE.
- I invested the rest of my savings into a HSBC on-line FDIC-insured savings account that is paying 5.05% interest! Of course, I took the free $25 from ING Direct by setting up a $250 account with them, but for the rest of my savings HSBC was the choice.
- I took down nearly every stupid pine tree in my yard. They either fall down on their own OR I could take them all down. The tree guy cut a deal with me to cut down 9 large pine trees for $200 if he could have the logs. Jenn and I had to clean up the limbs (which required manual labor on my part). I went ahead and cleared out a bunch more trees and scrub brush as well. I believe this was a much cheaper option than waiting for each tree to fall on its own and letting it damage my house and my neighbors' houses.
- I organized my recently received finance and insurance documents. I HATE being disorganized with my finance and insurance papers! In fact, I think disorganization is why many people end up being charged too much on insurance claims and bank fees. It took about three hours to organize about six months of documents. Most of that time was me actually taking the time to read them!!!
- I prayed. Seriously, prayer is powerful! God is very interested in the way you manage the money He has provided you.
- I increased contributions to my Health Savings Account for my HSA medical insurance. By the first of the year (when a new deductible year starts), my HSA will have an entire year's deductible saved in it. This keeps me ahead of the curve. It is almost like I have a plan!!!
Another story of life-change was released on the podcast today! Have you listened to the Podcast from Joe? To subscribe to the podcast using iTunes, click HERE. If you do not have iTunes, you can download an mp3 by clicking HERE.