Disqus - Latest Comments for lulugal11

Re: Seven Zen Principles to Guide Your Money and Your Life

lulugal11 — Mon, 26 Oct 2009 16:04:43 -0000

While I, like many others, have too many accounts still I have simplified my finances tremendously over what they used to be in the past.

Re: Learning and Saving

lulugal11 — Thu, 08 Oct 2009 10:31:36 -0000

I have a friend who loves to do all things related to hair so I get her to do my hair cuts instead of going to a salon. I have learned to trim my hair and can do some of the basic things I need but when I need a major change I go to my friend.....big savings!!!!!

I also have a good friend who is a computer programmer so I get him to diagnose and fix my computer and website problems..give him a big Mac and he is happy. Score!!!!!

Re: Tracking the Economy By Looking at Underwear

lulugal11 — Wed, 27 May 2009 09:46:43 -0000

I have reduced purchases of general clothing but I think I am about the same on underwear.

This is interesting to note though, because I think some other friends of mine have changed their underwear spending habits.

Re: November Cash Experiment: Successful, Perhaps

lulugal11 — Mon, 01 Dec 2008 13:23:08 -0000

I run my finances with the rewards credit card like you do. I treat the credit card like cash...by paying it before I get hit with interest and I love gaining cash back.

I used to work at a bank and got so disgusted by some of the dirty cash I got that I try not to touch cash now if I can.

Good luck on the cash experiment.

Re: More ING Direct Referral Links Needed: Join the Waiting List

lulugal11 — Wed, 09 Jul 2008 10:41:34 -0000

I would like to be added to your list as I have some links.
thanks for doing this.

Re: The Correct Way to Pay Off Personal Debt: The Debt Avalanche

lulugal11 — Mon, 07 Jul 2008 23:47:39 -0000

According to my understanding of the debt snowball you can choose EITHER the highest interest first or the smallest balance. I use the snowball term but pay the highest interest debt first.

It is not what you call it that matters...what is important is that you are making an effort to reduce debt.

With both methods you are paying the minimum on all debts EXCEPT one which is targeted to receive a higher than the minimum payment. When I was first learning about debt snowballs I was told this was the basis of dealing with debt.....the choice comes when you decide if to tackle the highest interest first or the lowest balance first.

Different things work for different people and according to my financial situation I have switched from one method to the next. Sounds like you are just calling the same thing a different name here. Same principle.

Re: Check Your ING Direct Overdraft Protection

lulugal11 — Wed, 10 Oct 2007 22:44:09 -0000

My ING line of credit has not dropped. A few months ago when they started to close accounts I got a letter saying my OD was being taken away. I called them and they said it was a mistake and they put it back on.

Since then I have not had any problems and as of 5 minutes ago my OD line is still high. I have never used it and I just pretend it is not there because I do not want to go into OD.

Re: Top 25 ways to save money

lulugal11 — Sun, 06 Apr 2008 19:48:06 -0000

Thank you for linking to my article and I am glad you found some of my tips useful. I hope your readers come to find tips that they can use too.

Re: American Economics Blog Carnival - June 1, 2008

lulugal11 — Sun, 01 Jun 2008 11:32:28 -0000

Thanks for including my article in your carnival. I am enjoying going through the other posts as well.

Re: Kids and Money -- June 13, 2008: School's Out For Summer

lulugal11 — Fri, 13 Jun 2008 18:14:58 -0000

Thanks for including me in the is great carnival. LInkback coming out on Saturday June 14.

Re: Light Weekend Reading

lulugal11 — Sun, 23 Sep 2007 10:03:49 -0000

Hey thanks for including my blog in your weekend reading. It is always good to know that someone else out there is reading what I write. I am taking a look around your blog now and I will link back!

Re: Festival of Stocks

lulugal11 — Tue, 16 Oct 2007 23:13:55 -0000

Just a reminder that you will also be hosting the Carnival of Twenty Something Finances on October 29.

Re: Twenty Something Finances - October 29, 2007

lulugal11 — Mon, 29 Oct 2007 20:56:49 -0000

Thank you for hosting the carnival this time. Just one suggestion for next time, put more spacing in between each article because it can get overwhelming when trying to see what each article is about.

Thanks again.

Re: Are You A Blogoholic?

lulugal11 — Mon, 28 Apr 2008 13:21:52 -0000

1. I realized I was a blogoholic when I woke up from surgery and thought I could blog about the experience...instead of rejoicing that the surgery went well.

2. Also...every time I talk to my boyfriend about something it is always preceded by "So I read on a blog that...."

3. You realized you are a blogoholic when your significant other says that you talk about bloggers like they live down the street...eg "Clever Dude got a new....." or "ProBlogger will be out this week".

Re: Salvador Dali Says Your 3D Product Design is INSANE

lulugal11 — Tue, 26 Aug 2008 22:58:02 -0000

I found your post through ProBlogger's group project and just thought I would stop by to say hello to the top 5 posters for the first day of the contest.

I like the Dali with the clocks...forgot the name. I think his paintings are a little mind blowing and definitely not for beginners.

Re: Free Links

lulugal11 — Thu, 27 Sep 2007 19:39:53 -0000

My site is about the personal finance journey of a college student. I have a lot of credit card debt that I have steadily been working on with a number of different income streams.

I try to help others by showing them the things that I do to save money in my daily life.

If I get a link back I would like my keyword to be 'Save Money'.

Re: Links for Free

lulugal11 — Sun, 30 Sep 2007 22:05:52 -0000

Hey there,
I was just going through my incoming links and found your site. I am currently looking over it to see what is going on here. I love finding new sites to read so we will see what happens here.

Re: DeepMarket Breaks into IZEARanks Top 100

lulugal11 — Tue, 08 Apr 2008 18:58:35 -0000

Hey thanks for the mention here...and great job on being in one of the top spots.

Re: 5 Important Things You Should Know About Debit Cards

lulugal11 — Fri, 07 Nov 2008 12:57:33 -0000

I don't even have debit cards for my regular accounts. In fact the only debit card I now have is for my ING account which I only use during the time they offer the cash back for purchases.

I recently used the card to send money via moneygram because ordinarily I would have to transfer the money from my ING account over to a regular bank and then withdraw it then walk over to the moneygram place to send the money. Now I just swipe my debit card on the day I need to send the money, and don't lose the interest on the days that the transfer would have taken.

Re: 4 Tips to Help You Use More Coupons

lulugal11 — Sat, 15 Nov 2008 12:06:16 -0000

Sometimes (not often) the coupon for the brand works out better. I usually buy 10 cans of store brand milk for the month as it is 74 cents and the brand is 83 cents.

I got a coupon for 50 cents off two cans of the brand....so this month I got 8 cans of the store brand and 2 cans of the brand name.

The two brand name cans cost 18 cents more but the coupon was for 50 cents off so I saved 32 cents. Next month I am going back to my ten cans of store brand because I don't have any more coupons, but it worked in this one case.

Re: What’s in your Wallet?

lulugal11 — Fri, 13 Mar 2009 18:11:40 -0000

Here is what is in my wallet License, Chase rewards, Discover rewards, insurance (me and car), $5, one penny.

I use my Chase card for all purchases since I get cash back. The Discover card gets cash back too, but this month the rewards are not appealing since they revolve every three months...so it is more there for an emergency.

I have the $5 for mini emergencies..should be a $20 so I can magnetize more money to my life.

I found the penny on the ground.

Re: Lending Club Originates $4.3 Million in Loans in August, Prosper.com Originates $905 Thousand

lulugal11 — Fri, 18 Sep 2009 12:01:24 -0000

I borrowed on Lending Club and was so pleased with the site that I am now a lender as well.I tired to borrow on Prosper but it was so difficult to get anything done that I just gave up. I am lending on Prosper as well but I am not putting in any more money there....but I am increasing the amount I lend on Lending Club.

Re: Is it a Porch or a Patio?

lulugal11 — Tue, 01 Apr 2008 14:59:48 -0000

How about balcony? Or even veranda? I think it is a regional thing. I only started saying porch when I moved to Texas.

Re: Warning Quechup Is A Scam

lulugal11 — Sun, 09 Sep 2007 10:09:17 -0000

I have not received the email as yet but I will look out for it. I would not have joined anyway because I have Hi5 and Facebook and those two are enough to run me into the ground keeping up with what is going on, but thanks anyway.

Re: Warning Quechup Is A Scam

lulugal11 — Sun, 09 Sep 2007 10:09:17 -0000