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Archive for May, 2007

What happens to my money for 4 days??

May 24th, 2007 at 07:28 am

I opened an HSBC savings account a few months ago. I am scheduling a transfer for this month, and checked last month's transfer to see for what day I should plan it...

Well, well, I didn't notice but, the money was taken out of my account on April 19, only to be credited in the HSBC one on April 23. That's 4 days of money floating around somewhere. Granted, it was only $25 so I didn't lose a lot of interest, but if I'm not getting the interests, someone else must be...

Just a thought!...

So much for the breakthrough!!

May 17th, 2007 at 11:33 am

I wrote a few days ago that hubby sat me down, asked me about our bills and debts. I was happy. I thought he got it. Yay!

Today, all of this came down. He got a will kit a few days ago from his work. He couldn't pay for it then, so agreed with his boss that he would when he gets paid next week. He calls me today saying that his boss told him he had to pay for it before next Monday. He's broke (what else is new?) and wants to charge it on my credit card (balance is $5,100 right now and I keep telling him that it's WAY TOO HIGH and I want it GONE!!). I say "No!".

Then I thought: he has a credit card. The limit is only $1,000, but why isn't he using that?

Well, guess why he's not using it? Yes, it's maxed out!!

We've had a gazillion talks about credit cards. He's bad with money, he knows it, I know it. I hate the fact that he has a card because I know he can't manage it properly. He was so happy when he got approved for this one. This meant his credit score and report were almost back to normal. He told me it was his responsibility and he was going to prove to me that he could do it. yaddi... yaddi... yadda... I should have known better.

One of his argument was that it wasn't fair that I have a card and he doesn't. He can't picture himself without a card. I can't make him understand that "you don't have to have a credit card" and that "if you can't afford it, don't buy it".

I want him to give me both cards (mine and his). We're going to have a huge fight over this. I am not looking forward to it tonight.

This is so frustrating...

Citi Home Rebate Card?

May 14th, 2007 at 09:57 am

I just found out about the Citi Home Rebate Card.

Here are a few features of the card. The first one is the one that intrigues me the most:
1. Rebates applied to your mortgage principal.
2. Don't have a mortgage yet? Good News! You will get statement credit instead to start saving for your dream house.
3. NO CAP or limits on the amount of rebates you can accumulate in a year.
4. NO ANNUAL FEE

Now, I'm not sure what this means. I'm tempted to open it, especially with the 0% APR on balance transfer for 12-month, with no fee.

Does anyone have that card? Ever heard of it?

Overdue Update

May 13th, 2007 at 03:39 pm

I haven't been keeping my blog up to date lately. Spring has come and hubby and I have been spending time outside cleaning out the yard, planting a few vegetables. I think we got started a little late, but we'll see. I will post a few pics.

On the financial front. NTD (Nothing To Declare) Smile Bills are getting paid. Although I think I finally got through to DH. He understands now that we have to get our credit cards balances paid. Don't ask me how that happened! When I did a big sigh on Friday when he told me he needed to go to the store and was going to have to charge it on the credit card, he ended up sitting down with me. Asked me where and how much we owed. What are regular bills were, and so on. We have a breakthrough!! Woohoo

The water bill came in this week: $124.09. More than last quarter.

The car is getting paid at a good rate. Balance is $5,135.21. 9 more months and we should be done. When this is over with, next step is to tackle the credit cards.

We had to take $1,000 out of our savings to pay for taxes! Damn... That hurt. But I'd rather pay taxes then get money back. I just wish we had planed that a little better and adjusted our deductions better so we didn't have to pay as much. Anyway, I'm trying to replace it. We're still far from the $18k we need as an EF and I'm not comfortable with that.

I closed my BofA checking account and transfered the money to the MBNA card. That helped a bit.

The balance I transfered from Chase to Citi (at 0%) is also getting paid. This one needs $150/month in order to get paid without paying any interests. We're on track there. Nothing gets charged to that card. I don't even know where it is! (ok, yes, I know where it is, but it's hidden somewhere and I never think about it)

Manage passwords... don't type them anymore

May 13th, 2007 at 02:40 pm

I have been using a little program to save and manage my passwords for a few years now. It's called PasswordSafe.
A few things I like about it:

- It generates passwords with upper and lower case letters, numbers and symbols.
- It is very easy to use
- You don't type passwords anymore. All you do is double click, the password is saved to the clipboard, and you can paste it to your login.
- You only have to remember one password: the one that open your database of password, and each of your account can now have a different and more secure password.

You can check it out:

PassWord Safe