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I got a raise! October 28, 2008

Posted by Q in Career development, Goals, Saving.
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A week ago I was informed I was getting a raise.  Talking about EXCITEMENT!  Only been 3 months and getting a raise!  Percentage wise, it was VERY Generous.  About 43% generous!  I just confirmed it today and noticed I was placed in a pay bracket which includes a promotion.  Was never told that, but I’ll take it too!

Now I need to put my financial face on and manage it wisely as we’re in tough times.

So this ends my job hunt and I will be removing resumes as last weeks debacle kinda turned me off from the job hunt anyway.

I am still trying to figure out of I ever told E-Rocka about it when I was informed last week.  Normal circumstances the girlfriend would be the first to know, but since the relationship is rapidly declining I have no idea.

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Kudos to USAA January 8, 2007

Posted by Q in Frugal, Saving, Smart Money Moves.
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For saving me nearly 20% or more on my existing USAA car insurance policy!

Thats right.  Didn’t even need to call GEICO and get a hard pull on my credit report to boot either.  I just was nosey and looked at my auto policy for the next cycle and saw a $89 discount from what I was originally paying!!!  Basically I haven’t had an accident last year and they gave me a good driver discount.  On top of that they finally kicked in my new car discount.

So now my grand total for car insurance every six months is a tad over $400!  And think back in 2003 I was paying well over $1300 every six months and was turning 25 then.

Free Microsoft Office Accounting 2007 January 3, 2007

Posted by Q in Saving, Smart Money Moves, Technology.
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I accidently stumbled on this freebie tonight.  Microsoft is giving away Office Accounting Express for free.  I am currently downloading it now and not sure if there are any stipulations, but the site touted it being free.  If there is a stip, I will post it later when I discover them.

Here is the LINK, Enjoy!!!

Never again will I buy another textbook at school December 14, 2006

Posted by Q in Frugal, Saving, Smart Money Moves.
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Today I went to school to sell some books back to the bookstore.  Expecting to get at least a cool $250 bucks, I strut happily to the bookstore even though I have a backpack full of books.  When I unload the books I am told that some are not being taken back as they have new textbooks.  Well the correct term should have been most are not being taken back.

I damn near walked back out of the bookstore with every book I planned to sell back.  I was only able to offload 3 of them, and only got $86.  Not too bad, but terrible considering how much I paid for the books, and how many I am not stuck with as they are outdated.

While I was in there, I stole the ESNs from the books I will need for next Semester.  I will be buying used online from now on.

Cancelling offers over the phone August 28, 2006

Posted by Q in Rants!, Saving, Smart Money Moves.
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Man, these are some persistant bastards.  I had to stoop to my lowest mode and lie and say I was unemployed just to get them off me.  And then they transfer you somewhere else for another offer for “discounts”.  So I have to lie again.  The second person I had to tell them no 4 times.  I can’t wait until I migrate my trunks so I can start recording this stuff, LOL.

End of Summer Financial Cleanup August 28, 2006

Posted by Q in Saving, Smart Money Moves.
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Ok, I must admit, even though it may seem I have my financial house in order, truth is I still have improvements that need be made. For starters there are some credit cards in my possession that have annual fees that I could use to get rid of. Well that won’t be happening until they are 3 years old. Reason for that is, even though I have been on record with the credit bureaus for just over 10 years, to this day I haven’t had a single good credit entry on my report for 3 years. This includes car loans. My closest is my old National City secured card which is 2 years and 4 months old. June next year it will definately be closed.

But for today I decided to take a look at my Quicken and see what expenses I could really get rid of, which I tend to catagorize as stupid spending:

1. An old free cash offer that I forgot to cancel before 30 days were up: I am usually pretty good with keeping up with these things, but this one seemed to slip through the crack of being unemployed. O well the other free money checks paid for it as I just cashed $53 worth of them on Friday.

2. Old worthless checking accounts that were accumulating fees: Just dumped all checking accounts but 2 of them today. I think all combined those accounts racked up year to date fees of roughly $300. Damn now thats a waste of money.

3. Phone service needed to be reviewed. Well this is actually a business topic, which I’ve never even brought up until today I believe. I buy my personal phone service through my own company. But since I brought it up; I am paying a package service which allows me a certain amount of minutes for a certain price. Well last week I discovered a better deal for the same price currently being payed. A WAY better deal. So I will be migrating all of my voice trunks over to this carrier over the next 48 hours.

There are others but I felt those were worth mentioning. I still have to do the Financial Challange that I was supposed to do earlier this year until I lost my old job. I can’t even find the post I made about it.

Well I am gonna jump back on this phone and finish cuttin these leeches off my wallet.

I am kinda feelin this new Pension Bill August 17, 2006

Posted by Q in Investing, Saving, Smart Money Moves.
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Well most of it anyway.  There are some parts in it though that could have just been deleted.  The parts I like are as follows:

Auto Enrollment to employer retirement plan – OK, employers have done a great job at making sure employees are in the know regarding their employee retirement plans.  Off the top of my head, I recall all of my employers forcing me into a meeting for an hour to pitch me on 401(k) and ESPP (employee stock purchase plan).  Now right now I do not have a 401(k) but that’s because I wouldn’t have been eligible for a match.  So I said screw it and will just put that money into a Roth.  But the main thing I want to say is, if employees are to damn broke or lazy to enroll themselves into an employer retirement plan, then that’s their fault and not the government’s fault.

Easy rollover’s to a Roth account – I like this.  However a return is best to be avoided anyway.  To each is own on that one.  Some years I like a refund, some other years I want my money NOW! LOL!

Permanent IRA contribution levels – Well, no more worrying that the cap for the Roth IRA will go back down in 2010.   This Bill will take care of that problem for good.

There are others but those 3 I felt were worth mentioning tonight.  If ya want to read more on the most important provisions of this 900 page bill, here is a good article here.