http://marymara.savingadvice.com On the Unending Journey info@savingadvice.com marymara en-us http://marymara.savingadvice.com/2007/02/07/amazed-again_21963/ Driving past the movie theatre in my small town (5000) this morning, I looked up expecting to see the movie currently showing. Instead I saw the message in red plastic letters that the theatre will now accept Visa, Master Charge, and American Express. Imagine the interest rate people... Wed, 07 Feb 2007 15:22:54 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/25/mountain-dew_21225/ I stopped my car on the way to work to chase down another Mountain Dew bottle in the street. It's another nickel but am I nuts??????<br /> LOL Thu, 25 Jan 2007 15:19:16 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/15/in-the-dumps_20614/ Maybe it is the Iowa weather. Maybe it is just being old and realizing that I will never have the money to really have a good retirement. Maybe it is the winter blues. Even the 93 cents my ING account has earned for me this month hasn't made me smile. I did throw in five dollars... Mon, 15 Jan 2007 15:19:03 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/12/_20403/ Can someone show me mathmatically what I would earn on $800.00 at 4.5% compounded annually. I know ING is supposed to pay interest monthly but I have never learned quite how to do it. It's not that I can't multiply but am not sure of my results. Thanks a bunch....<img src="http://www.savingadvice.com/forums/images/smilies/smile.gif" alt="Smile" /><img src="http://www.savingadvice.com/forums/images/smilies/smile.gif" alt="Smile" /><img src="http://www.savingadvice.com/forums/images/smilies/smile.gif" alt="Smile" /><img src="http://www.savingadvice.com/forums/images/smilies/smile.gif" alt="Smile" /> Fri, 12 Jan 2007 10:31:27 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/09/what-to-do_20223/ Today at work we were all offered the opportunity to order daffodils to support the American Cancer Society. One of my co-workers who knows my budgeting struggle and I talked it over and we both decided not to participate. The daffodils are cut flowers and only last two or three... Tue, 09 Jan 2007 12:44:49 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/08/hahahaha_20169/ I have just earned 30 cents this month on my new ING account. That's just like finding a nickel and a quarter in the gutter. Of course I would pick that up and be very pleased!! Mon, 08 Jan 2007 17:56:44 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/06/an-investment_20007/ I spent $19.00 online to buy a budget planner that has all the bells and whistles anyone could ask for. In fairness to me I had made spreadsheets for the same budget but this is so much fun. I immediately paid Visa back for my purchase out of my checkbook so it did not really go... Sat, 06 Jan 2007 08:04:56 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/03/_19802/ Can you tell me how to link to a certain category? I have been looking around but haven't figured it out yet.<br /> Thank you! Wed, 03 Jan 2007 12:52:52 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/03/why-because_19801/ I thought you might be interested in knowing what brought about the class action suit against my insurance company. It seems that they and other insurance companies were found guilty of not informing their customers ahead of time when their rates were going to be raised because of... Wed, 03 Jan 2007 12:47:05 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/03/a-very-nice-thing-and-a-question_19795/ A good thing happened to me today. I had been told sometime last year that I could be a part of a class action suit against my insurance company because of one of their practices. Since I did not remove my name from the suit I was automatically included.........and forgot about it.<br /> Today... Wed, 03 Jan 2007 11:46:37 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/01/water_19640/ I heard a doctor say on television today that a person can gauge the amount of water s/he needs by the following formula: divide your weight by two and this would equal the number of ounces you need to drink. So if you weigh 160 pounds divide it by two which equals 80 ounces. Eight... Mon, 01 Jan 2007 18:27:26 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2007/01/01/a-credit-card-is-really-good-for_19605/ HAPPY NEW YEAR 2007!!!!!<br /> I've enjoyed reading your excited posts and goals for the upcoming year. I've just paid the bills this morning and have knocked off about $700 in debt bills.<br /> As to credit cards, this is something I read or heard and I do use it. When you get the unwanted... Mon, 01 Jan 2007 12:19:03 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2006/12/31/happy-new-year-to-all_19545/ I've created my January budget and would like to share it with you. Suggestions would be appreciated.<br /> Total income: $1726.85<br /> Mortgage (including insurance and property taxes): $307.52<br /> Electricity: $80 (on an even payment schedule)<br /> Water and Sewer: $63.21<br /> Phone, internet and... Sun, 31 Dec 2006 18:27:33 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2006/12/28/its-me-marymara_19345/ I have had $505 in my jelly cupboard as my emergency fund. When something would come up and I needed a quick $10 in cash, guess where I would grab it from...and do you think I would remember to replace it? Right!<br /> Today I have gathered all those bills up to deposit when I go to the... Thu, 28 Dec 2006 09:38:03 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2006/12/27/here-is-what-i-did_19323/ I actually compared the interest rates on my two new savings accounts......you know, the ones I have been blithering on and on about. I see now that Bank of America's regular savings account had an interest rate of .02+% while ING's rate is 3.4% so I took my paltry savings out of... Wed, 27 Dec 2006 18:35:03 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2006/12/27/a-wonderful-holiday_19314/ I had the most wonderful holiday with my family and I hope you all did as well. When you are my age, you will know that nothing is more important than your family. Nothing is forever with family; one of my brothers faces a liver transplant, so there are always concerns. That is... Wed, 27 Dec 2006 15:33:17 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2006/12/23/thinking-about-resolutions_19192/ I have been giving throught to my New Years Resolutions for 2007 and have been coming up with a list, in particular financial resolutions.<br /> As a widow of thirteen years I do from time to time get lonely and decide that it is time to join a site for romance such as EHarmony or match.com.... Sat, 23 Dec 2006 11:41:06 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2006/12/20/looking-the-dragon-in-the-eye_19103/ Today I gathered up every bill I have that is outstanding. Primarily they are medical bills, with a Visa card also with a $4438.73 balance. The actual total rather than the $18,000 I have been blithering about is really $28,729,74. Big difference, huh? Best to get real, as DrPhil... Wed, 20 Dec 2006 15:27:53 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2006/12/19/step-seven_19059/ I wish I could give. This is what I do and I hope it would be considered giving although it is not much. I hope someone would consider it my trying to observe the seventh step. For quite awhile I have supported two little girls, one in Kenya and one in Brazil, through the Christian... Tue, 19 Dec 2006 13:34:28 PST maryadams@iowatelecom.net (marymara) http://marymara.savingadvice.com/2006/12/19/fun-and-games_19057/ It's like Monopoly. Look at all that money! Not really, but I am trying. I have mentioned my two accounts for saving. My savings account through Bank of America is going to be my Step 3 aacount of 3 months expenses ($25.00 there today) and my EE bonds are going to be my investment... Tue, 19 Dec 2006 13:21:56 PST maryadams@iowatelecom.net (marymara)