{YAWN!!!}

Sorry to be MIA....

(not that anyone is reading this, but still...I vowed to keep it going)

But I was SICK! SICK! SICK!  Laid out flat on the couch for 4 days! Ugh! It was awful! I could barely walk the dog to the corner of the street to 'take care of business'.

BUT I'm better. AND, I started my new job this week! So, I've been BUSY! And SO TIRED! Between the cold and working 5 jobs, ugh.... I need a nap!So, since I'm exhausted, I'm not going to go "deep" on this one. But I wanted to check-in and make sure to post something... So, I'm going to talk about "savings".


You are thinking, "SAVING??? I HAVE NO MONEY?! HOW CAN I SAVE?" But re-read it... I'm talking about "Savings"... as in a savings account.

There are a couple of really good ones out there, but my favorite account is ING Direct.

They post interest monthly, so you can actually see your interest being earned - regardless of how small it is, the constant "reminder" is good!

Their interest is WAY more than a brick & mortar bank (they are primarily online) so, while it is still practically nothing right now, it's still MUCH more than you would get at your traditional bank.

And, yes, I checked them out - fully FDIC insured. They offer IRAs also (just basic ones), and a few mortgages (short term).



So, you still say that you have no money, but what about for a few weeks out of the month? Do you have money that you could move in there for two weeks and then move back to pay your bills? Now, with ING, be careful b/c it takes 3 days to transfer and a week to be available to get it back, BUT, you can always open an ING checking account and then, you can pay your bills from there too.

Again, be careful with their "availability" timeline, but even if you are just tucking away your money that you will use to pay your property taxes, you may as well earn a couple of bucks on it...

Good luck!