Capital One Savings Account – Best Interest Rate I Know Of

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%

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. 

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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

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

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

* 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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