16 Apr

My points programs are adding up

I do a lot of different sweepstakes and points programs. Generally I only cash out once per year. This year will be a lot different though.

I plan on cashing out of all of my programs as soon as I hit the first acceptable level. Acceptable being the lowest amount I need for cash. I used to save up and get one large amount but those days are over.

First and foremost, I don’t know how long these programs will be around. When they fold, they go pretty quickly and all cash-out options are shut down. Instead of all of the cool gifts that you used to be able to get, there are only magazines and/or gift certificates for overpriced merchandise.

Secondly, I just need the cash. I’m using that money to pay for my new phone and instead of leaving it in the program, I’ll just add the excess to my savings account until I need it.

Besides that, I just love to see cash deposits hit my savings account.

14 Apr

Most of my friends use apps for banking

So I’ve been hemming and hawing about using my phone for mobile banking. I had apps on my old phone but I haven’t downloaded any for my new phone. I can’t even rationalize why especially since I banked on my old phone.

I’ve been asking around and most of my friends and coworkers bank by mobile if they can. One coworker is anti-technology so he doesn’t even though he does have a smart phone. The rest of the people that don’t use their phone to bank don’t have a smart phone so it’s not like they can use their phone.

I’ll just bite the bullet and do it.

11 Apr

Do you bank on your cell phone?

I can’t decide if I want to do it or not. I just got a new phone and I’m downloading apps onto it every day. The first thing I did was get Facebook and Twitter. Then I got YouTube and several other sites that I visit fairly often.

Now I have to decide if I want to bank by mobile. In theory I have no problem with it and I even did it on my old phone. I don’t know why I’m hesitating so much with this as it would make things a lot easier. Instead of searching and clicking, I could just click a app.

I don’t know why I have to always make things harder than they need to be.

09 Apr

Wait I have won a couple of prizes

I just realized that I did win 4 prizes that I hadn’t counted. I won 4 drinks in the March Madness game. That equals 4 Coke Zero’s. I was not fortunate enough to get any good seeds so I didn’t win any of the “good” prizes.

I guess I was so underwhelmed with the prizes that I didn’t count them. It’s not like I can go out and buy any tuxedos for sale with my winnings. Especially since I don’t sell the prizes anyway. I either use them myself or give them away to friends and/or coworkers who I know can use them. One of my coworkers was one of the people who gave me a bunch of Coke Zero codes so I’ll make sure to give him the coupons.

Hopefully bigger things are ahead and if not, at least I’ll have fun trying.

07 Apr

I haven’t won any prizes this year

This is a kind of random subject but I haven’t won anything this year. This is definitely an oddity for me. I generally win one or two prizes per month. Even if that is an average for the entire year, I generally have at least 4 prizes by this of the year.

I don’t know if my entering has slowed down any. I know there are not a lot of great sweepstakes out there that I like. A lot of companies are also moving to Facebook, Twitter, and/or Pinterest campaigns which I don’t take part in. I hate clogging up my feeds and I am not a “social” social media person. I get on and get right back off so I’m not in their target demographic for that.

Hopefully the wins will pick up soon. I miss them.

04 Apr

So I let the cruise expire

And I’m kinda bummed out about it. I really wanted to go but then again, I didn’t. It wasn’t on my preferred cruise line which is Carnival. But this cruise line did have single staterooms which Carnival doesn’t. That makes things a whole lot easier. Instead of paying the double fare, I can just book a single stateroom. Of course, it’s still a cruise line that I’m not totally enamored with but that’s another story.

Right now I just don’t have the money for a cruise. Even just putting down a deposit won’t be good since it’s almost half of the fare. I could have planned the cruise out to go later but I just procrastinated and spent the money.

I guess there’s always a next time.

02 Apr

New Worth Update for 1st Quarter 2014

So I’m not doing so well with my net worth. I’m supposed to increase it by $5k by the end of this year. That’s not a lot in the grand scheme of things. However so far this year my net worth is down 3.6k. Umm yeah I’m going in the wrong direction.

Now I do think there’s still time to get my numbers up but I’m not sure about $8.6k. For my salary that is a lot of money. I’m going to bust my hump and try to make it happen though.

I would prefer if that money was mostly added to savings or investments but I won’t complain at all if it comes mostly from paying off debt either.

Who ever said no pain no gain was surely speaking in jest because this is killing me. One day I’ll actually have money again. Let’s just hope it’s before the year 2020.

31 Mar

I’m not going on the cruise

Unfortunately I just can’t afford it right now. Even if I could put a down payment and pay it off later, I just don’t see me coming into the money any time soon.

The thing that really stinks is that I only have to pay port charges and maybe a few other fees. I’m good on airfare since I won a Southwest gift card. I would also need spending money which I won’t have. So even if I could swing this vacation, I just don’t see me having any more or any fun.

This really really stinks. I’m sad now :-(

26 Mar

I need to figure this cruise thing out

I really want to go on this cruise for my vacation. Right now it’s the only thing that I think I’ll be able to afford.

The cruise is “free” I just have to pay port charges which are almost $300 per person. Only problem is that I will be traveling solo so I don’t know if I pay double or not. I also don’t know if I have to pay everything up front or if I just put down a deposit and pay it off as I get closer to sail date.

I have less than a week to find out the information that I need so I really need to get on the ball.

24 Mar

Well it’s a good thing I wasn’t actually switching banks

I had to go to my credit union to sign the papers to close my cd. While I was there I also went through the process of changing my direct deposit to have money go from my paycheck into my savings.

While the rep was helping me she noticed that I had several bank accounts. Side note: I have my accounts linked. There’s not a lot of money in any of my accounts so I don’t worry about sales attempts. Anyway she was like “wow you probably have a lot of hits with xyz company since these are recent accounts”. Hmmm what does that mean I asked. She said they use that company to open accounts and find background information on customers.

Well she was right. I do have a ton of hits from new accounts. I was opening several accounts per year for the bonus money. I stopped last year but the hits last for 2 years.

Oh well, I don’t need to open another account so it’s all good.

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