Tuesday, October 27, 2009

Stuff I Like

Sometimes I like things! It happens. And I feel like sharing some of those things with you in a giant lump, because working them into random conversations makes me feel like a pod person from television commercials.

1. Mint.com

Mint is the best way to keep track of your spending and saving that I have found. No entering in deposits. No keeping receipts to log. Just all your income and outlays, tracked automatically. The access is read-only, so even if someone hacked Mint, they couldn't suction out all your money (downside: you still have to log into your individual credit card or bank websites to do manual payments and transfers). It gives you shiny graphs of net income, assets, net worth, etc., all broken out by category, time period, or whatever you need. The budgeting software is nice, too, especially the recent update that lets you roll over budget items from month to month, so you can account for infrequent expenses like car insurance. And it's free. Pretty good stuff.

2. Amazon Visa and AmEx Blue Cash*

Groceries, Gasoline, Drugstores: AmEx (5%)
Restaurants: Amazon Visa (2%) (The Costco AmEx gets 3%, but I am not a Costco member, and lots of restaurants don't take AmEx.)
Online stuff: Amazon Visa (3% on Amazon)
Everything else: AmEx, 1.25%

* All of this is if you are not carrying a balance. If you have a balance, find the best interest rate. Pay off your highest-rate balance first. That debt snowball thing feels good but it loses you money.

3. Virgin America

I like flying on with purple neon. They sent me a link for 20% off for ten friends, which you can access here.
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