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<blockquote data-quote="LittleDudesMom" data-source="post: 110801" data-attributes="member: 805"><p>Star,</p><p></p><p>great posting idea!</p><p></p><p>The ING thing is really easy. Just go to ing.com and you can read about all their "products". I have an orange checking account with them (no paper checks, just a mc debit card), two savings accounts (one for special stuff like Christmas or vacations and another one for savings that are not for touching), and a cd. </p><p></p><p>I had a cd with a local bank and when it came due, I couldn't beat the 5.2% ING offered for nine months (back in October). You just link your ING savings with your local bank checking. Then you just transfer the $ back and forth between your ING savings and your local checking should you need the money. I operate on a "cash" basis during the week. I get so much cash on Thursday and that is for groceries, kid's allowance, eating out, etc. Every penny I don't spend that week goes into on eof those ING accounts. It's amazing how much I save by using cash instead of writing checks or charging for my weekly expenses. You cannot even come close to the % ING offeres on their savings accounts at any local banks. The only thing to think about is the time it takes to transfer money you need. For example, if you need to pay for something, you should allow about 4 days for ING to transfer the money into your local checking account. </p><p></p><p>The one thing I deviated from this year was not traveling on Christmas Day. We went to my moms and I was so stressed Christmas morning thinking about how I was going to fit a bonehead visit, breakfast in the dining room with bonehead's mom, the kids opening and then playing with their gifts, and getting ready for the two hour drive to moms. I don't want to do that again. We did have a good time and mom was not in her "ultra formal mode" thankfully. But we didn't get home until almost 1 am!</p><p></p><p>The last couple years, since bonehead moved out, the kids and I have just relaxed after bonehead's mom left after breakfast. Last year I took a nap and then we went to a movie late Chritsmas day. We came home and had holiday finger food. That's what I love - just the down time. I am determined that I will keep that tradition next year and say "no" to any out of the city invitations I get.</p><p></p><p>I will also keep the tradition of homemade gifts for the kid's teachers. In years past I have purchased little gifts, but the kids enjoyed makeing fudge this year and packing it up in little sacks for their teachers. It was more meaningful than me just saying "this is what I got for your teacher".</p><p></p><p>I also have downplayed the Christmas decorations since the infamous flood that destroyed most of my things a few years ago. It's amazing how quickly I can decorate and detrim when it's just the downstairs and the outside. </p><p></p><p>I love the file idea. I think I will do that too. I saw an ultra easy macaroon recipe on the Ina Garden (think that's the right spelling) program on Food Network. I thought to myself, "wow, that's a great easy recipe for teacher gifts!" I will go and print that out and start my file for next year!</p><p></p><p>Happy Holidays!!</p><p></p><p>Sharon</p></blockquote><p></p>
[QUOTE="LittleDudesMom, post: 110801, member: 805"] Star, great posting idea! The ING thing is really easy. Just go to ing.com and you can read about all their "products". I have an orange checking account with them (no paper checks, just a mc debit card), two savings accounts (one for special stuff like Christmas or vacations and another one for savings that are not for touching), and a cd. I had a cd with a local bank and when it came due, I couldn't beat the 5.2% ING offered for nine months (back in October). You just link your ING savings with your local bank checking. Then you just transfer the $ back and forth between your ING savings and your local checking should you need the money. I operate on a "cash" basis during the week. I get so much cash on Thursday and that is for groceries, kid's allowance, eating out, etc. Every penny I don't spend that week goes into on eof those ING accounts. It's amazing how much I save by using cash instead of writing checks or charging for my weekly expenses. You cannot even come close to the % ING offeres on their savings accounts at any local banks. The only thing to think about is the time it takes to transfer money you need. For example, if you need to pay for something, you should allow about 4 days for ING to transfer the money into your local checking account. The one thing I deviated from this year was not traveling on Christmas Day. We went to my moms and I was so stressed Christmas morning thinking about how I was going to fit a bonehead visit, breakfast in the dining room with bonehead's mom, the kids opening and then playing with their gifts, and getting ready for the two hour drive to moms. I don't want to do that again. We did have a good time and mom was not in her "ultra formal mode" thankfully. But we didn't get home until almost 1 am! The last couple years, since bonehead moved out, the kids and I have just relaxed after bonehead's mom left after breakfast. Last year I took a nap and then we went to a movie late Chritsmas day. We came home and had holiday finger food. That's what I love - just the down time. I am determined that I will keep that tradition next year and say "no" to any out of the city invitations I get. I will also keep the tradition of homemade gifts for the kid's teachers. In years past I have purchased little gifts, but the kids enjoyed makeing fudge this year and packing it up in little sacks for their teachers. It was more meaningful than me just saying "this is what I got for your teacher". I also have downplayed the Christmas decorations since the infamous flood that destroyed most of my things a few years ago. It's amazing how quickly I can decorate and detrim when it's just the downstairs and the outside. I love the file idea. I think I will do that too. I saw an ultra easy macaroon recipe on the Ina Garden (think that's the right spelling) program on Food Network. I thought to myself, "wow, that's a great easy recipe for teacher gifts!" I will go and print that out and start my file for next year! Happy Holidays!! Sharon [/QUOTE]
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