spending less

Broker suggestions for IRAs?

Anybody have any recommendations for a good brokerage firm for a Roth IRA?  I signed up with Firstrade, since they looked good on paper: no minimum deposit, no inactivity fees, no fees trading mutual funds.  But tonight I’ve been browsing their site to find out how I could do a one time electronic transfer of [...]

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Why blog anonymously?

I’ve been thinking lately about whether I should blog anonymously.  I’ve read a number of other personal finance blogs by people who post actual debt and networth numbers, so why be so wary of using my name?
After milling over for it a while, I conceded that I’m not really looking to blog anonymously, but to [...]

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Pleasant surprise

In today’s mail, I got my latest Citi bill and found a pleasant surprise.
As I was skimming through it, I saw that I actually had a Citi Dividend Card!  Had never noticed!  When I originally signed up, I don’t think it was the dividend card, but I think at a later point, it changed programs.  [...]

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YNAB and the available income “buffer”

A short while ago, I got the YNAB (You Need A Budget) budgeting system, though have yet to actually put it into practice. Overall, it looks like a very good system. I was mainly after a budget that carries over from month to money (ie, if I go over/under…

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Our Savings Goals

While my wife was recently unemployed for two months, we realized that we’d been going after things with the wrong attitude.  Our focus this year had been so focused on reduce debt so that we could buy a house.  That was our objective.
We’ve wanted to buy a house since just shortly after we got married.  [...]

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