Finances

Last year about this time, Dawn and I started focusing on getting our finances under control. We both have some goals for a family and for our lives. In order to accomplish them we needed to stop some bad habit and start some good ones.

A couple things that we started doing was using an electronic envelope system to help with budgeting. This is a variation of the classic envelope system. We use a program called Mvelopes to do this. Another thing we did was moving our checking and savings to INGDirect. Now instead of just having our money sitting and earning the bank interest and us none, we actually earn some decent interest on our money. I also have a separate account at HSBCDirect that we use for longer term savings and a rainy day fund.

Let me know if you interested in either institution. I can get you some free money and earn a little extra myself.

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