Posts Tagged ‘mint.com’

Waiting for 0% Credit Card for Debt Consolidation is killing me

January 10, 2008

9:16 PM –  I took a deep breath and put in my passwords for mint.com.  I got a rejection notice from a blogging job I applied to, so I used that as fuel to get my finances in order and overcome the fear of putting all my financial passwords into one site.  So far, I’ve had problems establishing connections with my hsbc and chase credit cards, and hsbc savings.

I’ve been waiting and waiting for the hsbc to do a balance transfer. Currently, I’m still spending about $90/mo ($1084/yr) for the $6.7K that’s sitting in my bofa at 16%.  I’m trying transfer about $3300 of it to my usaa at 13%. Ideally I’m trying to get all of the bofa balance to zero and then put it back on at 4.99% for the life of the debt.  It’s still a little too high for me as I want my savings account to beat it, but it blows away most of the people’s interest rates. I’m not jumping on the usaa transfer as I’m hoping that the wamu card2 will be accepted and hsbc transfer will happen (initiated 1/4/08) asap so then I will reduce the number of balance transfer fees (3%).  But I’ll still need to transfer some to my usaa eventually after these two as they are only giving about $2.5K credit limit each.  I will try and call usaa cc to transfer some over now.

10:20 PM – I signed up for mint.com and it is ok. Not as great as I thought. I guess it’s because not all my accounts are in there, so I feel like I can’t “see” everything as once.

Pressure of No Income

January 9, 2008

I’ve been feeling really pressured lately as there is no new money coming in.  instead of pushing my property mgr to get a new client in. I formatted the listing of my condo to his site specific.  Sent him pictures I have of the empty condo and said that I would send this out to craigslist unless I hear otherwise – instead of asking him, ‘let me know if you want me to send it to craigslist.’  So that way, he has to respond to stop me incase I put something in my listing that he doesn’t approve of.

I hung out with a friend who mentioned mint.com.  it’s a really cool concept and basically it does everything automatically which I’m doing manually on excel.  Check out this article about mint.com on Forbes.

I spent a lot of time updating my other site and adding adsense and Amazon stuff.  I have this tendency to work really hard for something that might pay me back later – ‘might’ being the operative word.  I have such an entrepreneurial spirit, but a lot of times it doesn’t go to fruition, so all this time spent is wasted.  But I know – just the same with film – that I’ll only fail when I quit.