Comments for Miss Bankrupt

Comment on State Farm Hates Me by Money Beagle

Money Beagle — Fri, 12 Mar 2010 12:29:43 +0000

It’s definitely worth shopping around. Unfortunately, I think it’s pretty common these days to pull a credit report, so you might not have as good of luck getting good rates until your credit score goes up. Insurance companies are in the business of risk, so it stands to reason that they’re going to evaluate the risk of their customers as part of the operations. Insurance is a big area to look at for potential savings. I can’t remember who it is, but I’ve even seen a blogger (one of the big dogs) who takes off one vacation day every year just to evaluate his policies, call around, and make sure he’s comfortable that he’s paying the best rates. So, I would definitely take a look around so long as your expectations are in check.

Comment on How to Make Money on Twitter by uberVU - social comments

uberVU - social comments — Thu, 11 Mar 2010 21:18:02 +0000

Social comments and analytics for this post…

This post was mentioned on Twitter by chiyeoda: How to Make Money on Twitter | Miss Bankrupt http://bit.ly/dpJZud...

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Comment on How a Nap Can Save You Money by Hannah

Hannah — Wed, 10 Mar 2010 12:20:05 +0000

True, if you deprive yourself of sleeping, you lose more money. Been there, since I’m paid per hour, I put as many hours as I could. but then I end up delivering less than I should. I cut the habit and now, I try to take 15-30 minutes nap every 2-4 hours. I’m more productive.

Comment on Unexpected Expenses Throw Me Off by christina

christina — Tue, 09 Mar 2010 06:01:36 +0000

@Everyone. How is it that the whole world knows about having accounts at ING except me? Thank you everyone, I will be looking into it! @lazyjayn lol…I’m looking for that same $50.

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Comment on Unexpected Expenses Throw Me Off by lazyjayn

lazyjayn — Tue, 09 Mar 2010 05:33:44 +0000

I’m working on the $1000 e-fund, plus I’m putting aside $50 a month for ongoing car stuff- or I will be, as soon as I find an extra $50. I think $600 a year should be more than enough to keep even a 14 y/o ford going.

With what they’re paying lately, I only use ING for money transfer between banks at this point, and keep my savings in a bank in another state. Access is faster, and I don’t really lose anything on the interest.

Comment on Unexpected Expenses Throw Me Off by Broke By Choice

Broke By Choice — Mon, 08 Mar 2010 21:32:55 +0000

I once had the same struggle. The solution that I decided on is below…

Before I started to agressively pay off debt I built a small emergency fund of $1000, which is in an ING account. When an emergency comes up, I pay for it. Of course, I have to refill it. To refill it, I take a break from my debt payment and redirect the money to the emergency fun.

When I am out of debt, I will build my emergency fund to be 3-6 month of living expenses.

I hope this helps.
(Comes from Dave Ramsey ’s 7 Baby Steps http://www.daveramsey.com/new/baby-steps/)

Comment on Unexpected Expenses Throw Me Off by Revanche

Revanche — Mon, 08 Mar 2010 21:03:17 +0000

I think that as you develop a budget, you should break down what the annual costs of these semi-surprise expenses and then work that monthly cost into your budget. I set aside 1/6 of a car insurance policy aside in an ING Direct subaccount each month so that when my next policy renewal comes up, I’ve already got the money. When I have irregular income, I just adjust the lump sum to accommodate. ie: if I get paid for three months all at once, I subtract 3 months’ worth for the insurance and pop it in the account.

Comment on I Still Buy Bottled Water…Sorry by Miss Bankrupt

Miss Bankrupt — Sat, 06 Mar 2010 06:34:03 +0000

Yes, I definitely recycle the bottles. I may consider the Brita filter, although I’m not sure if that’s really any cheaper. Most of the time the cases are only like 3 or 4 dollars.

Thanks for reading, ladies!

Comment on Unexpected Expenses Throw Me Off by MissBankrupt

MissBankrupt — Sat, 06 Mar 2010 06:30:13 +0000

@Mneiae Wow..that’s great information. I will definitely look into that! Thanks!

Comment on Unexpected Expenses Throw Me Off by MissBankrupt

MissBankrupt — Sat, 06 Mar 2010 06:29:50 +0000

@J.Lynne No, it doesn’t make me feel better knowing others are struggling. I do believe we can figure this out together though I’m going to check into Mneiae’s suggestion with ING then I just need to find the money to put into it lol. I’ll keep you posted.

It gets better. I believe this.