Me vs Debt Me vs Debt Recent college grad's mission to get out of debt and master personal finance. I want to share tips, successes, and motivation. I also want some public accountability. Mostly I want to use my money to make interest, not pay it. 
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Prosper Debt Consolidation Loan - Tips for Potential Borrowers
2008-01-21 13:41:00 This is a guest post submitted to Prosper Blog. Thinking about using a debt consolidation loan to get rid of high interest debt? Don't just jump into it, do it the right way. Here are some tips for selecting the right amount and price.Examine Your BudgetIf you haven't already created a budget, now is the time. List every monthly expense you have. Here is the example Prosper provides:Monthly expenses: $ (Fill in Total)Housing: $Insurance: $Car expenses: $Utilities: $Phone, cable, internet: $Food, entertainment: $Clothing, household expenses $Credit cards and other loans: $Other expenses: $If you leave something blank here, be sure to explain. For example, no rent because you live with your parents. Cool, make sure to mention that. You might want to include 2 lists or total monthly expense figures: 1) current monthly expenses and 2) total monthly expenses with your prosper loan. This can be especially useful if this loan will decrease your monthly expense load.Be conservativ... More About: Debt Consolidation , Tips , Loan , Debt
Monday Morning Carnival Review
2008-01-21 12:36:00 Good morning. I had busy weekend and I'm just getting back into the swing of things. I'm going to start with linking to some of this weeks blog carnivals. I'll be back with links to my favorite posts once I've gotten a chance to read through.Brip blap hosted the second Carnival of Peer to Peer Lending. Thanks for including my post, Hey Prosper Lenders! Question from a Borrower?. Some more articles that caught my eye here: Brett presents Lending Club Statistics: Rejecting Most Loan ApplicationsThe Dough Roller presents How I Overcame My Fear of Lending Money on Prosper.comThe Baglady hosted the 1-2-3's of debt reduction at the Carnival of Debt Reduction Love the concept. Thanks for including my post Risking the Minimal Emergency Fund. Some more great posts for debt reducers:Tips To Kickstart Your Debt Reduction posted at The Happy RockKiller Credit Card Fees and How to Avoid Them posted at Cash Money LifeGreen Panda Treehouse hosted this week's Carnival of Personal Finan... More About: Review , Morning , Monday , Monday Morning
Announcing the Carnival of Cash Back & Rewards
2008-01-19 14:03:00 I don't know about you, but I've made a lot of money through cash back rewards and sign up bonuses this year. I'd love to have a place to share success stories, tips, and strategies. So here it is -- another blog carnival - this one is dedicated to free money!The first ever Carnival of Cash Back will be hosted right here at Me vs Debt on February 4th! This will be the ultimate resource for free money in the form of cash back, rewards programs, sign up bonuses, and the like. This is not a carnival about credit cards per se, but a carnival about working the system to your advantage. If you can make money why not? And if you are totally against rewards, why? Write a post about it. Reviews of rewards programs, unique cash back strategies, and links to bonuses are all welcome! Go here to submit an article by February 3rd and email me if you are interested in hosting.Here are some posts of mine that illustrate the spirit:November Cashback Rewards : 2.8%Using Credit Cards Respons...
When it Comes to Snowflaking...
2008-01-18 17:42:00 When it Comes to Snowflaking, I Do Not Mess AroundSo far this month, I've sent 16 snowflakes ranging from $1.70 to $86.88 to my highest interest debt. Last month, 19 snowflakes -- cutting the total balance in half!Every dollar that comes my way is a potential snowflake. Each time I decide not to spend, a snowflake falls right into the online bill pay queue. When my boyfriend picks up the tab for dinner, my share is snowflaked.I continue to call my highest interest card and request lower rates. You won't lower my rate? Fine. You've officially become my snowflake target. Enjoy collecting 19.99% on my soon-to-be balance of $0.
When it Comes to Snowflaking...
2008-01-18 17:42:00 When it Comes to Snowflaking, I Do Not Mess AroundSo far this month, I've sent 16 snowflakes ranging from $1.70 to $86.88 to my highest interest debt. Last month, 19 snowflakes -- cutting the total balance in half!Every dollar that comes my way is a potential snowflake. Each time I decide not to spend, a snowflake falls right into the online bill pay queue. When my boyfriend picks up the tab for dinner, my share is snowflaked.I continue to call my highest interest card and request lower rates. You won't lower my rate? Fine. You've officially become my snowflake target. Enjoy collecting 19.99% on my soon-to-be balance of $0.
Get Free Tax Advice and Watch Out for IRS Phishing Scam!
2008-01-18 15:10:00 Thanks Michelle from H&R Block for pointing out that H&R Block is providing free tax advice through January 31! From the press release:H&R Block?s 110,000 tax professionals will hit the streets today in communities around the country for National Tax Advice Day to raise awareness of this year?s tax benefits. Additionally, H&R Block is offering taxpayers help with their most difficult tax questions for free through Jan. 31 by accessing H&R Block?s Ask A Tax Advisor online feature available at www.digits.hrblock.com. The typical H&R Block client is served by a tax professional with more than 8 years of experience and more than 250 hours of training.What a great deal! You should especially take advantage of this if you are DIY with your taxes. Some free input could save you big money. Go here to read the official press release and here to take advantage of free advice.She also points out that the H&R Block website has information about an IRS Phishing sc... More About: Watch , Taxes , Free
Get Free Tax Advice and Watch Out for IRS Phishing Scam!
2008-01-18 15:10:00 Thanks Michelle from H&R Block for pointing out that H&R Block is providing free tax advice through January 31! From the press release:H&R Block?s 110,000 tax professionals will hit the streets today in communities around the country for National Tax Advice Day to raise awareness of this year?s tax benefits. Additionally, H&R Block is offering taxpayers help with their most difficult tax questions for free through Jan. 31 by accessing H&R Block?s Ask A Tax Advisor online feature available at www.digits.hrblock.com. The typical H&R Block client is served by a tax professional with more than 8 years of experience and more than 250 hours of training.What a great deal! You should especially take advantage of this if you are DIY with your taxes. Some free input could save you big money. Go here to read the official press release and here to take advantage of free advice.She also points out that the H&R Block website has information about an IRS Phishing sc... More About: Watch , Taxes , Free
Taxes: DIY or Tax Professional
2008-01-17 13:52:00 This post was inspired by Monroe on a Budget.Do you do your own taxes? In most cases it really is beneficial to seek advice from a professional. Thats easy for me to say - my mom is a certified tax adviser for H&R Block. She offers to do returns for my friends for cheap or free - even just out of high school with minimum wage jobs she knew how to get them much more money back than they could have gotten alone. All legally. Just because you have Turbo Tax and you think its easy to use does not mean you know how to use it.If you aren't convinced that a tax professional could get you a better return, maybe its worth a test run. Try it yourself. Then go to a tax professional. Make an informed decision based on the results.I'll be back with some examples of loopholes that you may not be familiar with.Read more:Free Tax Advice From H&R Block @ Me vs DebtDIY or Tax Professional @ Saving Advice ForumsHow to Get Five Times Your Tax Returns Back @ Free Money FinanceSome resou... More About: Taxes , Fess
Taxes: DIY or Tax Professional
2008-01-17 13:52:00 This post was inspired by Monroe on a Budget.Do you do your own taxes? In most cases it really is beneficial to seek advice from a professional. Thats easy for me to say - my mom is a certified tax adviser for H&R Block. She offers to do returns for my friends for cheap or free - even just out of high school with minimum wage jobs she knew how to get them much more money back than they could have gotten alone. All legally. Just because you have Turbo Tax and you think its easy to use does not mean you know how to use it.If you aren't convinced that a tax professional could get you a better return, maybe its worth a test run. Try it yourself. Then go to a tax professional. Make an informed decision based on the results.I'll be back with some examples of loopholes that you may not be familiar with.Read more:Free Tax Advice From H&R Block @ Me vs DebtDIY or Tax Professional @ Saving Advice ForumsHow to Get Five Times Your Tax Returns Back @ Free Money FinanceSome resou... More About: Taxes , Fess
Blog Festivities for the Week of 1/13/2008
2008-01-16 11:38:00 Plonkee Money hosted the Carnival of Personal Finance - Thanks for including my post How to Increase Your Interest Rates. I'm still reading through these, wow there are a lot of entries here. Some more posts that I enjoyed thus far:How I Taught my Preschooler the Value of a Dollar @ Being Frugal (Don't know why, but this struck me as super cute. Way to be financially responsible, Sam!)8 Things You Need to Know About a Roth IRA for 2008 @ Chance Favors (I'm all about starting my first Roth IRA this year, you should consider it if you haven't already.)Frugal for Life hosted the Festival of Frugality. Thanks for including my post Finding Balance on a Tight Budget - Part 2. I'm still reading through these but some posts that caught my eye include:Making Socks Last @ Early Retirement Extreme (Ok, I don't usually go so far as repairing socks, but I'm with you on identical socks all the way.)Making Sure Free is Really Free @ Being Frugal (My boyfriend got sucked in by that jing... More About: Links , Blog , Week
Blog Festivities for the Week of 1/13/2008
2008-01-16 11:38:00 Plonkee Money hosted the Carnival of Personal Finance - Thanks for including my post How to Increase Your Interest Rates. I'm still reading through these, wow there are a lot of entries here. Some more posts that I enjoyed thus far:How I Taught my Preschooler the Value of a Dollar @ Being Frugal (Don't know why, but this struck me as super cute. Way to be financially responsible, Sam!)8 Things You Need to Know About a Roth IRA for 2008 @ Chance Favors (I'm all about starting my first Roth IRA this year, you should consider it if you haven't already.)Frugal for Life hosted the Festival of Frugality. Thanks for including my post Finding Balance on a Tight Budget - Part 2. I'm still reading through these but some posts that caught my eye include:Making Socks Last @ Early Retirement Extreme (Ok, I don't usually go so far as repairing socks, but I'm with you on identical socks all the way.)Making Sure Free is Really Free @ Being Frugal (My boyfriend got sucked in by that jing... More About: Links , Blog , Week
Wasteful
2008-01-15 04:40:00 Good thing the state of Michigan pays my roommate to recycle. He must go through 47 bottles of diet Vernor's a day. Hey, I know we have to consume to live, but seeing someone be so wasteful really disgusts me. Each day the medium sized garbage can in the kitchen is overflowing onto the floor with pizza boxes, fast food wrappers, individually-wrapped microwaveable everything.I've pretty much stopped using that trash can. I go back and forth from trying to take it out each day, to becoming jaded and apathetic -- letting it go for days at a time before finally giving in. At that point I need an extra bag to collect the overflow off the floor before taking it out. I have a small can in my bathroom that I line with grocery bags. That will hold most of my trash for the week.By the look on my face alone, you'd probably guess I have a lemon in my mouth as I step over an American cheese wrapper on my way into the kitchen. I push aside the ocean of plastic bottles and wipe off a spot... More About: Reduce , Wasteful
Wasteful
2008-01-15 04:40:00 Good thing the state of Michigan pays my roommate to recycle. He must go through 47 bottles of diet Vernor's a day. Hey, I know we have to consume to live, but seeing someone be so wasteful really disgusts me. Each day the medium sized garbage can in the kitchen is overflowing onto the floor with pizza boxes, fast food wrappers, individually-wrapped microwaveable everything.I've pretty much stopped using that trash can. I go back and forth from trying to take it out each day, to becoming jaded and apathetic -- letting it go for days at a time before finally giving in. At that point I need an extra bag to collect the overflow off the floor before taking it out. I have a small can in my bathroom that I line with grocery bags. That will hold most of my trash for the week.By the look on my face alone, you'd probably guess I have a lemon in my mouth as I step over an American cheese wrapper on my way into the kitchen. I push aside the ocean of plastic bottles and wipe off a spot... More About: Reduce , Wasteful
Lessons Learned from The Used Forklift
2008-01-15 03:01:00 I've been spending a lot of time at work this month. If nothing else, my job is practical. I'm gradually becoming confident in my ability to assemble/repair/design/build almost anything that comes my way from small electronics to heavy machinery.We recently got a great deal on a used forklift on Ebay. It was in fine working condition, but the battery charger had seen better days. Its once red exterior was faded into a pathetic dull pink. The steel cage vents were mangled and the cabinet dented. The DC charge cables fell limply through the worn and shredded sheath. It was a mess.If this was found in the typical garage it would be considered trash. However, with a little bit of effort we were able to revive it. Replace the damaged wires and use a little heat shrink to repair the cable sheath. Flatten out the dented cabinet walls and mangled vent cage. Sand off the rust spots, prime it, spray on some shiny blue paint and voila! ... good as new.Maybe not brand new, but not ... More About: Lessons , Forklift , Learned
Lessons Learned from The Used Forklift
2008-01-15 03:01:00 I've been spending a lot of time at work this month. If nothing else, my job is practical. I'm gradually becoming confident in my ability to assemble/repair/design/build almost anything that comes my way from small electronics to heavy machinery.We recently got a great deal on a used forklift on Ebay. It was in fine working condition, but the battery charger had seen better days. Its once red exterior was faded into a pathetic dull pink. The steel cage vents were mangled and the cabinet dented. The DC charge cables fell limply through the worn and shredded sheath. It was a mess.If this was found in the typical garage it would be considered trash. However, with a little bit of effort we were able to revive it. Replace the damaged wires and use a little heat shrink to repair the cable sheath. Flatten out the dented cabinet walls and mangled vent cage. Sand off the rust spots, prime it, spray on some shiny blue paint ... voila! ... good as new. Well not brand new, but not... More About: Lessons , Forklift , Learned
Risking the Minimal Emergency Fund
2008-01-14 03:05:00 An emergency fund is an essential part of any debt reduction plan. By creating an emergency fund you are committing a new frame of mind -- moving from a spend to save mentality. You want to have something saved to keep you on track with the rest of your debt reduction plan. You don't want an unexpected expense to throw off your wonderful new budget and send you back into your old credit-using ways!How the emergency fund fits into my debt reduction plan:Build a minimal emergency fund of $500-$1000Pay off debt asapBuild a larger emergency fund of 3-6 months salary How much of an emergency fund should you have saved before moving on to step 2? I've heard numbers between $1000 and 6 months of expenses. All of those numbers are good answers, but whats going to work best for me? As a a single woman with a steady source of income and a heavy debt load I decided to aim for $1000, but to settle for $500 minimum. In other words, I focused on getting at least $500 secured in my emergen... More About: Minimal , Fund , Emergency
Risking the Minimal Emergency Fund
2008-01-14 03:05:00 An emergency fund is an essential part of any debt reduction plan. By creating an emergency fund you are committing a new frame of mind -- moving from a spend to save mentality. You want to have something saved to keep you on track with the rest of your debt reduction plan. You don't want an unexpected expense to throw off your wonderful new budget and send you back into your old credit-using ways!How the emergency fund fits into my debt reduction plan:Build a minimal emergency fund of $500-$1000Pay off debt asapBuild a larger emergency fund of 3-6 months salary How much of an emergency fund should you have saved before moving on to step 2? I've heard numbers between $1000 and 6 months of expenses. All of those numbers are good answers, but whats going to work best for me? As a a single woman with a steady source of income and a heavy debt load I decided to aim for $1000, but to settle for $500 minimum. In other words, I focused on getting at least $500 secured in my emergen... More About: Minimal , Fund , Emergency
What is Your 401(k) Contribution?
2008-01-13 14:50:00 Right now my 401(k) contribution is at 5% of my gross income. After one year of employment (this May) I will be eligible for 100% match up to 5%. Free money!If you employer offers a match, you should contribute at least enough to take full advantage of it (as long as you are able to meet your debt repayment obligations). This is an example of pay yourself first. Since the money is taken out of your check pre-tax you should be able to easily re-adjust your budget to the slightly lower take home amount.I ran into a contribution calculator at Vanguard . Its pretty easy to stick different numbers in for various saving scenarios. There are limitations here: you can't stick in a retirement age before 50 and your salary is only expected to increase with inflation. Still provides an illustration of how much increasing your contribution each year can affect your total savings. I plan on maxing out my contribution as soon as I'm out of debt. Hopefully saving money sooner will give m... More About: Contribution
What is Your 401(k) Contribution?
2008-01-13 14:50:00 Right now my 401(k) contribution is at 5% of my gross income. After one year of employment (this May) I will be eligible for 100% match up to 5%. Free money!If you employer offers a match, you should contribute at least enough to take full advantage of it (as long as you are able to meet your debt repayment obligations). This is an example of pay yourself first. Since the money is taken out of your check pre-tax you should be able to easily re-adjust your budget to the slightly lower take home amount.I ran into a contribution calculator at Vanguard . Its pretty easy to stick different numbers in for various saving scenarios. There are limitations here: you can't stick in a retirement age before 50 and your salary is only expected to increase with inflation. Still provides an illustration of how much increasing your contribution each year can affect your total savings. I plan on maxing out my contribution as soon as I'm out of debt. Hopefully saving money sooner will give m... More About: Contribution
About Me
2008-01-11 23:52:00 Hi, my name is Amanda. I'm a recent college graduate, full-time mechanical engineer, math/physics tutor, blogger, debt conquerer, and soon to be wealth gatherer.I started this blog for several reasons. Most importantly, I hope to help people out. Whether its sharing tips on how to save or earn cash, debt reduction strategies, motivation to succeed, or any other random benefit that sharing my story might have.When I'm not reading the fine print, making excel spreadsheets, and posting random personal finance blogs I enjoy taking care of my plants and pets, playing board games, drinking red wine, cooking, riding my bike, and playing guitar.Consider this my official disclaimer: I am not a financial advisor. Just a smart girl in stupid debt trying to find the quickest way back into the black. More About: About
About Me
2008-01-11 23:52:00 Hi, my name is Amanda. I'm a recent college graduate, full-time mechanical engineer, math/physics tutor, blogger, debt conquerer, and soon to be wealth gatherer.I started this blog for several reasons. Most importantly, I hope to help people out. Whether its sharing tips on how to save or earn cash, debt reduction strategies, motivation to succeed, or any other random benefit that sharing my story might have.When I'm not reading the fine print, making excel spreadsheets, and posting random personal finance blogs I enjoy taking care of my plants and pets, playing board games, drinking red wine, cooking, riding my bike, and playing guitar.Consider this my official disclaimer: I am not a financial advisor. Just a smart girl in stupid debt trying to find the quickest way back into the black.Although I'm a semi-anonymous blogger, I'm sure anyone who read this would recognize me. Therefore I'm considering adding a photo. Check back for that. More About: About
My First Guest Post on the Prosper Blog
2008-01-11 15:58:00 My first guest post on the prosper blog went up today. Its more or less a summary of the sucess I had with the Prosper site. I'd like to continue contributing maybe an article a week mostly geared towards borrowers and potential borrowers. Hopefully some of my experiences can be a helpful resource for people in similar situations. More About: Post , Blog , Guest
My First Guest Post on the Prosper Blog
2008-01-11 15:58:00 My first guest post on the prosper blog went up today. Its more or less a summary of the sucess I had with the Prosper site. I'd like to continue contributing maybe an article a week mostly geared towards borrowers and potential borrowers. Hopefully some of my experiences can be a helpful resource for people in similar situations.From the Prosper Blog :I?m a responsible, hard-working college graduate trying to get out of debt. I?ve diligently paid the credit card companies minimum payments (or more) every month for the last 5 years. In return they slapped me with higher rates as soon as my balances grew. When I inquired about the 230% increase in my APR, I was ignored and treated with disrespect.Prosper lenders gave me an opportunity to redeem myself. They looked beyond my credit score and saw my potential to be a responsible borrower. Not only did I cut my highest interest rate debt in half, but I gained leverage with the rest of my creditors. After a couple months of $0 balanc... More About: Post , Guest
How to Handle Billing Errors
2008-01-10 13:32:00 A few months back Chase offered me a balance transfer deal. I could transfer $1900 at 5.9% APR fixed for the life of the balance with no balance transfer fees. After carefully examining the terms of the offer, I took it.I knew that I had to put this card out of sight and out of mind until this balance was paid off. The regular APR was around 29.99%. There was also a clause that stated payments would go towards the lowest interest balance first. That means that any purchase I made from now on would be have a finance charge of almost 30% until I could pay off the rest of the balance. No thanks!The first month was great. My finance charge was less than $10 because my entire balance was transferred at the promotional rate of 5.99%.Then the second month bill came. Somehow a few bucks slipped into the 29.99% APR range. It only made a slight increase in my finance charge so I wouldn't have noticed it... if I wasn't watching my bills like a hawk. I hadn't made any new purchases... More About: Credit Cards , Billing , Errors , Handle
How to Handle Billing Errors
2008-01-10 13:32:00 A few months back Chase offered me a balance transfer deal. I could transfer $1900 at 5.9% APR fixed for the life of the balance with no balance transfer fees. After carefully examining the terms of the offer, I took it.I knew that I had to put this card out of sight and out of mind until this balance was paid off. The regular APR was around 29.99%. There was also a clause that stated payments would go towards the lowest interest balance first. That means that any purchase I made from now on would be have a finance charge of almost 30% until I could pay off the rest of the balance. No thanks!The first month was great. My finance charge was less than $10 because my entire balance was transferred at the promotional rate of 5.99%.Then the second month bill came. Somehow a few bucks slipped into the 29.99% APR range. It only made a slight increase in my finance charge so I wouldn't have noticed it... if I wasn't watching my bills like a hawk. I hadn't made any new purchases... More About: Credit Cards , Billing , Errors , Handle
How to Handle Billing Errors
2008-01-10 13:32:00 A few months back Chase offered me a balance transfer deal. I could transfer $1900 at 5.9% APR fixed for the life of the balance with no balance transfer fees. After carefully examining the terms of the offer, I took it.I knew that I had to put this card out of sight and out of mind until this balance was paid off. The regular APR was around 29.99%. There was also a clause that stated payments would go towards the lowest interest balance first. That means that any purchase I made from now on would be have a finance charge of almost 30% until I could pay off the rest of the balance. No thanks!The first month was great. My finance charge was less than $10 because my entire balance was transferred at the promotional rate of 5.99%.Then the second month bill came. Somehow a few bucks slipped into the 29.99% APR range. It only made a slight increase in my finance charge so I wouldn't have noticed it... if I wasn't watching my bills like a hawk. I hadn't made any new purchases... More About: Credit Cards , Billing , Errors , Handle
Use Snowflakes to Turn National City Points into Cash
2008-01-09 12:02:00 This is similar to a previous post, but I'm seeing it in a new way. If you have a National City Checking account you should sign up for National City Points program. Its free, run by a standard visa rewards program.Don't Use it for the RewardsThe rewards aren't great. You get a point per dollar of qualifying purchases which you can redeem for rewards including cash and gift certificates. If you're looking for cash (which I am) then you can expect less than 0.2% (yes, a fraction of a percent) return. Like I said, not great. Especially when you compare it to Chase Freedom or Discover's Get More program with up to 3% and 5% respectively. On the other hand, its definitely better than nothing if you are a debit card user anyway.Use it for the BonusesNot only do they offer 5000 bonus points for sign up, but they also offer bonus points for using some of the other services. (See details here.) Notably, you can earn points each month just by using the card to pay bills. Each transa... More About: Cash , Turn
Use Snowflakes to Turn National City Points into Cash
2008-01-09 12:02:00 This is similar to a previous post, but I'm seeing it in a new way. If you have a National City Checking account you should sign up for National City Points program. Its free, run by a standard visa rewards program.Don't Use it for the RewardsThe rewards aren't great. You get a point per dollar of qualifying purchases which you can redeem for rewards including cash and gift certificates. If you're looking for cash (which I am) then you can expect less than 0.2% (yes, a fraction of a percent) return. Like I said, not great. Especially when you compare it to Chase Freedom or Discover's Get More program with up to 3% and 5% respectively. On the other hand, its definitely better than nothing if you are a debit card user anyway.Use it for the BonusesNot only do they offer 5000 bonus points for sign up, but they also offer bonus points for using some of the other services. (See details here.) Notably, you can earn points each month just by using the card to pay bills. Each transa... More About: Cash , Turn
Use Snowflakes to Turn National City Points into Cash
2008-01-09 12:02:00 This is similar to a previous post, but I'm seeing it in a new way. If you have a National City Checking account you should sign up for National City Points program. Its free, run by a standard visa rewards program.Don't Use it for the RewardsThe rewards aren't great. You get a point per dollar of qualifying purchases which you can redeem for rewards including cash and gift certificates. If you're looking for cash (which I am) then you can expect less than 0.2% (yes, a fraction of a percent) return. Like I said, not great. Especially when you compare it to Chase Freedom or Discover's Get More program with up to 3% and 5% respectively. On the other hand, its definitely better than nothing if you are a debit card user anyway.Use it for the BonusesNot only do they offer 5000 bonus points for sign up, but they also offer bonus points for using some of the other services. (See details here.) Notably, you can earn points each month just by using the card to pay bills. Each transa... More About: Cash , Turn
My First ING Referral
More articles from this author:2008-01-09 00:00:00 When I posted my $25 from ING blog I thought that I'd get some response. Two months later, I finally got my first request for a referral. If Dan opens an ING savings account with $250 he will get a $25 bonus and I will get $10 deposited into my Emergency Fund. (Take that Emergency Fund!)Thanks, Dan! More About: Referral 1, 2, 3, 4, 5, 6, 7 |
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