jenr812
What happened to the tag fairy?
- Joined
- Feb 9, 2004
- Messages
- 4,382
I subscribe to The Everyday Cheapskate email newsletter put out by Mary Hunt, who is a very well known budget QUEEN 
She recommended ING DIRECT in today's email issue 
I'm forwarding this email to many people in hopes that they will feel better about ING. I thought I'd share it with you for the same reason. Enjoy!
----- Original Message -----
From: Everyday Cheapskate
To:
Sent: Tuesday, March 22, 2005 1:27 AM
Subject: Everyday Cheapskate -- Find money in your pockets
Advertisement
Mary Hunt is the creator of The Cheapskate Monthly newsletter, which can be ordered online at www.cheapskatemonthly.com/um. You can e-mail questions or tips at cheapskate@unitedmedia.com or Everyday Cheapskate, P.O. Box 2135 Paramount, CA 90723. All correspondence becomes the property of Cheapskate Monthly.
Find money in your pockets
Are you a saver? Most Americans aren't. Some people might contribute some to their retirement plans at work, but not have money in the bank for when the refrigerator dies or the transmission goes out. Foolishly, most consumers depend on their credit cards to take care of life's emergencies.
It's not that difficult to start an emergency fund. The bank or credit union where you have your household account will likely open an account for you with a very small initial deposit requirement. Or you can open a savings account with any amount at the highly regarded online bank www.IngDirect.com.
Why bother opening an account if you don't have a cent to your name to save? The reason most people fail financially is not because their incomes are too small but because their spending habits are too big. Start working on your spending habits to find the money you need to save. Then start shoveling it into your savings account.
Here are six easy strategies other readers have shared for how they found money to save. Do what they do and you'll have money in the bank, too.
DUMP THE PRIVATE MORTGAGE INSURANCE (PMI):
If your mortgage is down to 80 percent of your home's value, or less, you might be able to cancel that expensive lender-required insurance called private mortgage insurance (PMI). Call your lender today. This could mean thousands a year in savings -- money for the bank.
KISS YOUR LONG-DISTANCE GOODBYE:
If you have a long-distance plan at home, cancel it. But first get a high quality prepaid long distance calling card from a discount warehouse club or other store like Wal-Mart. You'll pay from 3 cents to 6 cents a minute (depending on the card) instead of the 15 to 20 cents a minute effective rate you're paying now (that's counting all the mystery fees that zing you every month).
GENTLE WASH:
How much do you spend on dry cleaning? Yikes! Just a small effort figuring out your gentle cycle on your home machine or washing fine garments by hand will let you channel that dry cleaning money into the bank!
LOAD UP THE LEFTOVERS:
Don't even tell me how much good food you throw out because it's just easier than making the effort to take it to work tomorrow for lunch. That could mean $5 a day minimum for your bank account.
DON'T SPEND COINS:
You've heard it so many times and it might sound corny, but if you refuse to spend coins, at the end of month you'll have at least $20. That's an easy $240 for your savings account.
GET A BETTER PLAN:
Pick up your cell phone and call customer service. Ask: Am I on the right plan? The company doesn't want to lose you. They know you can leave and take your number with you. If there's a cheaper plan that will work with your pattern of usage, they'll offer it to you. Try it: If there's a cheaper plan, you'll have more money for the bank. You will never know just how great it feels to have money in the bank until you experience that for yourself.
Mary Hunt is the creator of The Cheapskate Monthly newsletter.
Note: Neither Mary Hunt nor Cheapskate Monthly endorses any advertisements or links associated with Waterfront Media's web page or newsletters. You should only be receiving this newsletter because you specifically requested to receive it. You may unsubscribe at any time and your e-mail address will never be shared, rented or sold to a third party.
You are receiving this email because you signed up for one of Waterfront Media's email newsletters. If you would prefer not to receive these emails, click here to remove yourself from our mailing list via our email newsletter management page.
Not receiving this email newsletter regularly? Sign up to be on our mailing list!
For Information on Advertising, click here.
Copyright © 2005 Waterfront Media, Inc. All rights reserved.
Copyright © 2005, Newspaper Enterprise Assn.
You are receiving this email because you signed up for one of Waterfront Media's email newsletters. If you would prefer not to receive these emails, click here to remove yourself from our mailing list via our email newsletter management page.
Use of Waterfront Media sites is subject to our terms of service and privacy policy
Mailing address: 1020 MASS MoCA Way, North Adams, MA 01247
She recommended ING DIRECT in today's email issue I'm forwarding this email to many people in hopes that they will feel better about ING. I thought I'd share it with you for the same reason. Enjoy!----- Original Message -----
From: Everyday Cheapskate
To:
Sent: Tuesday, March 22, 2005 1:27 AM
Subject: Everyday Cheapskate -- Find money in your pockets
Advertisement
Mary Hunt is the creator of The Cheapskate Monthly newsletter, which can be ordered online at www.cheapskatemonthly.com/um. You can e-mail questions or tips at cheapskate@unitedmedia.com or Everyday Cheapskate, P.O. Box 2135 Paramount, CA 90723. All correspondence becomes the property of Cheapskate Monthly.
Find money in your pockets
Are you a saver? Most Americans aren't. Some people might contribute some to their retirement plans at work, but not have money in the bank for when the refrigerator dies or the transmission goes out. Foolishly, most consumers depend on their credit cards to take care of life's emergencies.
It's not that difficult to start an emergency fund. The bank or credit union where you have your household account will likely open an account for you with a very small initial deposit requirement. Or you can open a savings account with any amount at the highly regarded online bank www.IngDirect.com.
Why bother opening an account if you don't have a cent to your name to save? The reason most people fail financially is not because their incomes are too small but because their spending habits are too big. Start working on your spending habits to find the money you need to save. Then start shoveling it into your savings account.
Here are six easy strategies other readers have shared for how they found money to save. Do what they do and you'll have money in the bank, too.
DUMP THE PRIVATE MORTGAGE INSURANCE (PMI):
If your mortgage is down to 80 percent of your home's value, or less, you might be able to cancel that expensive lender-required insurance called private mortgage insurance (PMI). Call your lender today. This could mean thousands a year in savings -- money for the bank.
KISS YOUR LONG-DISTANCE GOODBYE:
If you have a long-distance plan at home, cancel it. But first get a high quality prepaid long distance calling card from a discount warehouse club or other store like Wal-Mart. You'll pay from 3 cents to 6 cents a minute (depending on the card) instead of the 15 to 20 cents a minute effective rate you're paying now (that's counting all the mystery fees that zing you every month).
GENTLE WASH:
How much do you spend on dry cleaning? Yikes! Just a small effort figuring out your gentle cycle on your home machine or washing fine garments by hand will let you channel that dry cleaning money into the bank!
LOAD UP THE LEFTOVERS:
Don't even tell me how much good food you throw out because it's just easier than making the effort to take it to work tomorrow for lunch. That could mean $5 a day minimum for your bank account.
DON'T SPEND COINS:
You've heard it so many times and it might sound corny, but if you refuse to spend coins, at the end of month you'll have at least $20. That's an easy $240 for your savings account.
GET A BETTER PLAN:
Pick up your cell phone and call customer service. Ask: Am I on the right plan? The company doesn't want to lose you. They know you can leave and take your number with you. If there's a cheaper plan that will work with your pattern of usage, they'll offer it to you. Try it: If there's a cheaper plan, you'll have more money for the bank. You will never know just how great it feels to have money in the bank until you experience that for yourself.
Mary Hunt is the creator of The Cheapskate Monthly newsletter.
Note: Neither Mary Hunt nor Cheapskate Monthly endorses any advertisements or links associated with Waterfront Media's web page or newsletters. You should only be receiving this newsletter because you specifically requested to receive it. You may unsubscribe at any time and your e-mail address will never be shared, rented or sold to a third party.
You are receiving this email because you signed up for one of Waterfront Media's email newsletters. If you would prefer not to receive these emails, click here to remove yourself from our mailing list via our email newsletter management page.
Not receiving this email newsletter regularly? Sign up to be on our mailing list!
For Information on Advertising, click here.
Copyright © 2005 Waterfront Media, Inc. All rights reserved.
Copyright © 2005, Newspaper Enterprise Assn.
You are receiving this email because you signed up for one of Waterfront Media's email newsletters. If you would prefer not to receive these emails, click here to remove yourself from our mailing list via our email newsletter management page.
Use of Waterfront Media sites is subject to our terms of service and privacy policy
Mailing address: 1020 MASS MoCA Way, North Adams, MA 01247
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