Saturday, January 21, 2012
I should have done better
Not sure where exactly I went wrong, but thought I had adjusted my tax being withheld so that I would only get a $100 (+/- 50) for a refund. However, that is not the case. I overpaid a whopping $1100. That's a large amount of $$$ to just for all intensive purposes "stick under a mattress." At first I thought I could attribute the oversight to all the stuff that I donated this past year when my girlfriend and I combined into one house and had to get rid of a LOT of stuff. Obviously it would be hard for me to plan for that when setting up my tax papers, but that only accounts for about $300 of my refund. So what exactly was different from last year that caused an $800 difference? The only thing I did differently is make MORE money.....which in turn means I should owe MORE money. Now don't get me wrong. I'm definitely not complaining about an $1100 "windfall." It's just I'd rather have that windfall throughout the year so that I can at least earn interest on it (more than likely, I would just accelerate my debt payment that much faster). Oh well, this year should be more stable and give me an actual idea of where my numbers need to be.
Friday, January 20, 2012
Say goodbye to debt
Today I have decided to make my debt free future sooner. I already max out a ROTH IRA every year and put in 15% of my income to my ROTH 401(k). I have about 6 months "emergency" money available and another 2-3 months available if all else fails. That being said, today was pay day. After setting aside all monthly expenses, I still had a good amount left over. So I decided to give my mortgage a little boost and applied all the extra (minus about $200) to my principal. It feels good to know that by the age of 31 (maybe even 30) I will be COMPLETELY debt free.
Sunday, January 15, 2012
How does $25/month in Amazon bucks sound?
http://www.swagbucks.com/refer/eternalpaw
Sign up for swagbucks using the above link. It's absolutely free. You earn swagbucks by doing things you already do online. The first thing I would suggest doing is changing your homepage to www.swagbucks.com and using that page as your search engine. You can win swagbucks by doing searches, daily poll, NOSO, downloading and using the toolbar, doing offers, answering surveys, and watching swagtv.
So you may be thinking that this sounds like too much work, but believe me it is REALLY easy. Every day, I make it a habit to check the daily poll (1 swagbuck), skip through the NOSO (2 swagbucks), logon to the toolbar (1 swagbuck), and watch SwagTv (a max of 150 swagbucks *limited time*). For the SwagTv, I found
http://sbbot.blogspot.com/ to be a marvelous tool. It will reload the videos for you until the meter reaches 100% at which point you will need to put in a CAPTCHA. About every 5-6 minutes you will earn 3 swagbucks. If you search through the swagstore you will see a great number of items that you can exchange your swagbucks for. Personally, I think all of the prizes do not compare to the $5 Amazon gift card. However, you are only allowed to buy 5 a month. Even if you just did the swagtv daily, you would have enough swagbucks by the end of the month to get $25 in amazon gift cards. I have actually made over $500 so far. As for what to do with the "extra" swagbucks, I have chosen to bank my bucks until I have enough for the $100 paypal giftcard. I've never won a swagstakes and do not know anyone who has so I do not participate often.
This is a great way to make a little extra money without having to do much work at all. Just get started and see for yourself how easy it is to get just about anything you want (as long as you can buy it on Amazon) for all intensive purposes FREE.
Sign up for swagbucks using the above link. It's absolutely free. You earn swagbucks by doing things you already do online. The first thing I would suggest doing is changing your homepage to www.swagbucks.com and using that page as your search engine. You can win swagbucks by doing searches, daily poll, NOSO, downloading and using the toolbar, doing offers, answering surveys, and watching swagtv.
So you may be thinking that this sounds like too much work, but believe me it is REALLY easy. Every day, I make it a habit to check the daily poll (1 swagbuck), skip through the NOSO (2 swagbucks), logon to the toolbar (1 swagbuck), and watch SwagTv (a max of 150 swagbucks *limited time*). For the SwagTv, I found
http://sbbot.blogspot.com/ to be a marvelous tool. It will reload the videos for you until the meter reaches 100% at which point you will need to put in a CAPTCHA. About every 5-6 minutes you will earn 3 swagbucks. If you search through the swagstore you will see a great number of items that you can exchange your swagbucks for. Personally, I think all of the prizes do not compare to the $5 Amazon gift card. However, you are only allowed to buy 5 a month. Even if you just did the swagtv daily, you would have enough swagbucks by the end of the month to get $25 in amazon gift cards. I have actually made over $500 so far. As for what to do with the "extra" swagbucks, I have chosen to bank my bucks until I have enough for the $100 paypal giftcard. I've never won a swagstakes and do not know anyone who has so I do not participate often.
This is a great way to make a little extra money without having to do much work at all. Just get started and see for yourself how easy it is to get just about anything you want (as long as you can buy it on Amazon) for all intensive purposes FREE.
Failures and Accomplishments
Be prepared to follow me on my journey to becoming a millionare. You will get to experience all the successes and exciting times of the journey. You will also get to experience the darker side. Join on the ride and maybe you can take some of my successful paths and learn from those not so enhancing moments. Also feel free to offer tips and suggestions. Sit back, relax, and enjoy the journey!
Subscribe to:
Posts (Atom)