There's nothing like a Friday to make me happy! We have the weekend to look forward to, plus hubby gets paid every Friday. Now that's a good day!
I have two goals for today - go around the house and gather up everything I want to sell on ebay, plus check out some of the bank deals where you open an account and get a nice little cash bonus. It's my goal to sign up for at least 2 today (but only if you can open an account with $1 - I don't have a lot to spare).
I'm concerned about my savings challenge, because if I really expect to save $4000 this year on side stuff alone I really need to get cracking. Doing a lot of little teeny things like surveys and stuff is not going to add up fast enough. I need ideas to bring in more. December is always a hard money month with the holidays, so I figure I really only have 10 months (including this one) to reach my goal for this year. And that's an average savings of $400 a month - gulp! I have to admit, that seems pretty unnattainable right now. I just hafta figure out how it's going to happen. I wish I could get another job, and I could technically, but I just don't think I could handle it. I already work screwed up hours (10:30p - 7a) and sleep my days. I am tired a lot because I don't sleep as well during the day as I would at night. So taking on another job seems too daunting and I don't think it's something I could stick with. There have got to be other ways to bring in some cash! I just can't think of them right now... One thing I am thinking could really help is our tax return (if we get one!). We haven't done our taxes yet and hope to really soon. I am praying we get money back. That entire sum will be added to my savings challenge! That could help a lot, but there's no telling. Last year we had to pay - quite a bit! So much, in fact, that we had to go on a payment plan with the IRS. I am making the last payment on that this month! For '05 though my hubby was unemployed most of the year. And I had a 0 witholding on my income, so I'm hoping (PRAYING) for money back this year.
Anyway, I am starting to ramble, so I'd better get working. Only 6 hours till I get to go home and get started on those goals! 7am can't come fast enough. I will probably report back later. Have a great Friday everyone!
Happy Friday!!!
February 10th, 2006 at 07:10 am
February 10th, 2006 at 03:30 pm 1139585456
If you don't have a Citi cc, or if you want to open more, check out HSBC online. Again, no minimum opening amounts. I'm not sure what bonus they're currently offering, but it's at least $25 (the one I got was $35).
Also, Jeffrey has a deal going where you can get a $10 bonus for opening an Emigrant Direct savings account (again, no minimums). Open it with a $1 and he'll give you $10.
Even though the amounts seem small, get them, then use that money to take advantage of some bonuses that require higher deposits. (Chase, BOA). Also, keep in mind that even though some may require a high initial deposit, they don't necessarily require you to keep that balance (like ING). So you could make the deposit then transfer most of the money back to yourself.
Good luck!
February 10th, 2006 at 03:33 pm 1139585630