Archive for February, 2006



You Need A Budget (YNAB) System Review

Thursday, February 2nd, 2006

I’ve decided there are three types of people out there:

1) One who needs a budget, otherwise they’ll spend whatever they can get their hands on, and then some,
2) One who does a pretty good job by themselves, stays out of debt, but could defintely benefit from a proper budget, or
3) One who is so anal about their money, that they don’t need a budget. They already scrutinize every purchase before they make it.

Let’s face it. Most of us are #1 or #2. So that’s why I agreed to review the YouNeedABudget (YNAB) Budgeting Spreadsheets.
Read the rest of this entry…

Short Takes

Wednesday, February 1st, 2006

HSBC Direct finally updated their front page, confirming that their 4.80% APY rate hike is indeed only until 4/30. ING must be thrilled. The HSBC rate is higher than their 4.75% APY, applies to all deposits instead of just new ones, and lasts 15 days longer.

The Wall Street Journal also reports on these recent rate hikes in their (temporarily free) article ‘Banks Dangle High Teaser Rates‘. Via FW.

JLP of AllThingsFinancial has begun his 24 Days to Better Finances series. Nice and organized, just the way I like it.

net worth progress bar