Friday, April 03, 2009

I’m back

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I’m back :) I’ve been gone for a little while, sorry ‘bout that. I’ve had to work on my thesis intensively these last few weeks.

But I have some time to say hi again now.

A couple of things have happened while I’ve been gone (that I wasn’t at all aware of until today):

  • First and foremost, both Tricia over at Blogging Away Debt, Krystal at Give Me Back My Five Bucks and Fabulously Broke over at Fabulously Broke In The City have all added me to their blogrolls as finance blogging buddies. Wow! These are the very first blogrolls I’ve ever been added to :) ! So I am naturally very happy and excited about this! :)
  • Secondly, my incoming links have increased since last. I even did a post on this where I was so happy and gleeful about having 11 backlinks and 5 (on average) vistors a day. But now, as I did a check tonight, I could suddenly see that my backlinks had increased to 448(!). My jaw dropped!
  • And I have a new personal best - 7 on average vistors per day! This is quite cool! :) Glass half-full kind’a gal, lol :)

I’m still very much in absolute astonishment about these things. Wow! And thanks.

Will do my best to keep this trusty little blog up to date - despite my hardy writings elsewhere :)

(the elsewhere being Microsoft Word ;)

Wednesday, March 11, 2009

Renting A Small Room

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I’ve been thinking for a long time now to find a small room for rent and move (out of my apartment). I’d be doing this to save money on my rent as I finish grad school. Because since I’ve begun getting myself into debt (with student loans) last October then it’s beginning to look more and more like a good idea. And then I can stay there as I get my first job and then I can more easily (read as: more quickly) pay off my debt and start saving to buy an apartment. This is a really good idea.

However, it’s really difficult to find a cheap room these days as I’ve experienced first hand this week and the last (when I began to call and mail around). You’ve really got to be cutthroat fast and call as soon as you see a good, cheap place.

So I’m going to have to tighten my calling and searching skills these next few weeks as my search continues.

Got to be lightning fast.

I also have to talk to the company that administers my apartment. Because they state that they have a 3-month notice normally when terminating your lease, so I’m going to have to ask, what my options are.

I’ll get back to you and let you know how all this progresses at a later time.

How about all of you? How are you sitting with your rent and mortgages?

New Transparency In Retirement Fund Overview

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I got a letter today from my Retirement Fund. The letter stated of course how much money I had in there, but it also stated some new changes that they were beginning, but changes for the good. They are from now on going to make the overviews more detailed and more reader-friendly so to create a greater transparency for us (the individual customer) to be able to follow how much money there is in your retirment fund and what the individual fees are, and where they go to. When I read their new overview it was definitely a new and big improvement.

Monday, March 09, 2009

How To Cut Your Phone Bill In Half

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Why do so many of us rely on our mobile phones or landlines to make our calls when there is a far more economic solution available?

Today anyone can make phone calls over the internet using Skype. And it’s 100% free.

my money and savings blog Skype

my money and savings blog Skype screen-shot

Skype can be used anywhere as long as you have access to the internet

AN OVERVIEW:

  • How does it work? 
  • Why is the service free?
  • How is the sound quality? 
  • Why are you recommending it?   
  • What do I need? 
  • How do I get started? 

 

  • How does it work? 

Skype is a peer-to-peer program that uses VoIP (Voice over Internet Protocol) to allow you to talk to other Skype users using only your computer (naturally, with internet access).

 

  • Why is the service free? 

Basically, there are 2 types of Skype calls. Skype-to-Skype (also sometimes known as SkypeIn)  and SkypeOut.

The first type of call, Skype-to-Skype, is free because it just uses your internet access (think of it as “computer-to-computer”) to transmit the audio.

The second type of call however, SkypeOut, costs money because it provides you the opportunity to use your computer’s internet access to connect to landlines or mobile phones.

The service I’m recommending here is the free option, Skype-to-Skype.

 

  • How is the sound quality? 

The sound quality is excellent.

 

  • Why are you recommending it? 

I’ve been using Skype (Skype-to-Skype) for 2 years now and I wanted to share this money saving tip with everyone. I can truly and warmly recommend it. My Dad has it installed on his computer as well so every time we want to talk (we talk a lot, a couple of times a week and very often longer than 1 hour), one of us would just send a text message to the other saying something like “skype tonight at 8:30”. Then at 8:30 we are able to talk to each other for as long as we want - absolutely free. This has really saved both me and my Dad probably hundreds of dollars on our phone bills.

 

  • What do I need? 

The  only thing you need is a pair of earphones and a microphone. Or alternatively you can use a headset, a VoIP-phone or Wi-Fi phone, or you could even replace your earphones and use your good old fashion speakers. I would highly discourage this last suggestion though unless you want your neighbors to hear your entire phone conversation. But you can try it out for fun. I sure did.

 

  • How do I get started? 

Visit Skype and sign up. Absolutely free. They have a simple installation setup that will take 3 minutes. And then you’re done. Go ahead and begin skyping.

Just don’t forget to tell your family and friends to get it too, or else it doesn’t do you much good.

Enjoy many years of happy skyping! 

 

 

Want to know more about Skype visit VoIP Reviews Online where they give Skype a once over with a fine-tooth comb. And 4 out of 5 stars on top of that.

A New Personal Best

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Wohoo!!! I have 11 backlinks and 5 (on average) visitors a day. Yesireee, this blog is growing. Wow, the simple joys we have in life ;) Like obsessively checking one’s backlinks and StatCounter 7 times a day ;)

Sunday, March 08, 2009

The Global Rich List

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Check out a site that I came across!

my money and savings blog - Global Rich List

It’s called the Global Rich List. And what it does is, it compares what your earnings are with others people’s earnings. And tells you how rich you are, globally speaking.

Just type in your annual income in your currency and watch the results as the tool calculates in what percentage of the world’s population of wealthy people you’re in.

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