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Author: John

Capital One Savings Account – Best Interest Rate I Know Of
Posted by: | March 4, 2010
| 5 Comments
| Personal

I have three savings accounts including Ing Direct & Emigrant Direct.

Ing Direct & Emigrant Direct are known for their high-interest rate. But, with today’s economy, their current interest rate is 1.1%. This is still a lot better than the 0.5% you can get from your local banks.

I just noticed that Capital One has a savings account only for Costco members. And the interest rate is even better at 1.5%.

I should move all my money to Capital One ASAP. They will even pay me $20.00 for opening an account.

*You have to keep a minimum balance of $5k. I have no problem there.

** I hope the interest rate will go up soon. I miss the day when I used to earn 2.5 – 3% interest.

Costco Savings Account

February Saving – 66%
Posted by: | March 1, 2010
| No Comments
| Personal

My shopping story is boring, now that I keep trying harder to save even more money. 

I set my goal to save money like crazy. And that’s exactly what I’m doing… like crazy.

In February, I transferred 66% of all my take-home paycheck to a savings account.

I haven’t established a stable pattern of saving money, so I am not sure how this will affect my finance next month. 

### 

I have a huge craving for salty chips, especially for Doritos.  I had this craving for over 2 weeks now.
This morning, I was THIS CLOSE to picking up a bag of Doritos at Costco. I wanted to buy a brand new coffee maker as well ($49.00). 

But I didn’t buy any of those. I bought what was absolutely needed (also healthy for me). 

I try…

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Story I wasn’t suppose to share – Christmas 2009
Posted by: | February 27, 2010
| 2 Comments
| Christmas, Personal

On December 25, 2009, I woke up at 6 am and went to the public laundry room at my APT. We have 3 washers and 3 driers there. There, I put quarters on all the machines. And I left a Christmas card. So, the first person to use the laundry room on Christmas day would get a wash and dry on me.

That card in the picture was from Costco.

A week went by. And it was my turn to use the laundry room. And I saw this note.

I felt very good. This happy feeling was definitely worth of money. Actually, I spent so little money to have this much satisfaction.

I didn’t even know who wrote that note, but that was the point, doing something to people I don’t even know…

I don’t think the other person knew me as well. I didn’t give my APT number on the Christmas card.

 

3 More Signs of Getting Old
Posted by: | February 24, 2010
| No Comments
| Personal

Here are 3 more signs

  1. I used to hate couples figure skating. It was boring. Anyway, I was checking out Winter Olympics the other day. They showed the couple’s figure skating. As I was watching the couple’s routine, I got teary eyes. It was beautiful and touching.
  2. I fear teenagers.
  3. When I was younger, holidays such as Christmas, Easter, and Thanksgiving meant little. Now, I am more into the spirit of the season. Now I wear Santa’s hat during Christmas time. I have a green hat for St. Patrick’s day. I exchanged gifts on Valentine’s Day. I try to be cozy and friendly with the surrounding people. Change of season means a lot to me now. Holidays are beautiful.

* I thought I would grow old to appreciate classical music. But, no. I still hate classical music.

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Costco Shopping – February 19, 2010
Posted by: | February 20, 2010
| No Comments
| Costco Blog

* 6th Costco Shopping this year, 3rd time this month.

I bought things that are absolutely needed. I am spending less money this year.

  • A carbon Monoxide Detector is a life-savor. You must own one.
  • Kirkland Signature’s pepper (with a built-in grinder) is a very good price at $3.99. If you go elsewhere, you will find a cheap grinder for $15-$20. And they don’t even have any peppers in them.
  • I believe any razor that takes a battery provides superior shaving results. (update 2021 – I am still using this razor after 11 years.)

At the checkout, I handed in my rebate check. They gave me a $91.34 change in cash.

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Costco Shopping – February 11, 2010 (busy day)
Posted by: | February 12, 2010
| No Comments
| Costco Blog

* 5th Costco Shopping this year, 2nd time this month.

First of all, I had 4 hours of sleep last night. I was struggling to stay awake at work. I had to take an ephedrine pill to get me going (I bought them before they became illegal).

I did 3 loads of laundry after work. Then I went to Costco.

I am doing very well with saving money. I didn’t buy anything expensive.  I didn’t buy any toys. All my food items have low fat & they are good for me. I bought Jose’s Coffee ($8.89) instead of Starbucks ($19.99).

I spent $75.49. But the gas pushed my grand total over $100.00.

Finally, at 9 pm, I went to the kitchen to make dinner.
Now I have a mountain of clean laundry to fold.

PS. I broke one egg at home 🙁

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