Here we are in 2010 and a lot of people are jumping on the bandwagon and pushing this move your money campaign. I think this is great and hopefully everyone takes the info and move their money away from theses huge evil banks.

Im tired of hearing the complaining of these Banks stupidity and want to see all of us take action. We do have choices and power. You can check out the campaign at Move Your Money and read up on it. If you are looking to join a Credit Union please go to “Find a Credit Union” to see which ones are close by and which ones you qualify for. Also, if you are one of those people who think Credit Unions don’t have as much Branches to service you. Please check out CU Service Centers to locate all shared branching for your credit union. This service gives you branch access is any state or country and is a great help to us members. Enjoy and switch now.

Vonage’s Residential Premium Unlimited Plan offers the following for the low price of $24.99 a month:

• Unlimited local and long distance calls anywhere in the US, Canada, Puerto Rico and select European countries. See details below.
• Included features such as:
  

  Voicemail Plus 3-Way Calling

  Call Waiting Call Forwarding

  Caller ID with Name 911 Dialing

• Free phone adapter if you sign up directly from Vonage
• Competitive international rates
• Money Back Guarantee

Added Benefits

• Switch to Vonage and keep your phone number
• Vonage has area codes available across the US and in other countries
• Real time billing information anytime through your online web account
• Quick access to local emergency services with Vonage’s 911 Dialing feature

Requirements

• You must have a broadband Ethernet Internet connection
• You need a US or Puerto Rico shipping address (no PO boxes)

Once you sign up, we will ship your startup package within 5 business days. To start saving, simply connect your telephone to your high-speed Internet connection using the Vonage phone adapter. Pick up the phone, and use it just like you do today!

Another bill that made me upset was the Electric bill. I never payed attention to it at all until I started paying it lol. And for some reason now the bill has been in the 100s for no reason. I noticed that Conedison charges everyone on a peak and off peak rate like those damn LIRR tickets. So every bill is separated into what time did you use the electricity and you get charged more for peak per kilowatt, which for me was around 18.8 cents per Kilowatt. But, another thing we don’t pay attention too is that it changes so the next cycle it can be around 19 cents per kilowatt and you’ll never know. I am heavy into green power now so I did my research and found ConEdison Solutions, which use cleaner power such as wind towers and water power to generate power, and no you would not even notice a difference if you switched. When I switched they gave me a locked rate of 16 cents per kilowatt, so I pay no peak and off peak rates and I pay no NY State sales Tax. Here are the benefits of switching to ConEdison solutions and you do the match.

* $25 Rebate – Sign up for GREEN Power and receive a $25.00 rebate.*
* Elimination of Sales Tax – the New York State sales tax on the delivery portion
of your utility bill is fully eliminated (no tax) for purchasing energy from an energy
services company, such as ConEdison Solutions.
*Fixed Rate – Available – You can choose a fixed rate that is easy to understand and is
guaranteed not to increase during your contract term
*Easy Billing – We include our electricity supply charges on your regular utility bill. You
will still make just one monthly payment to your utility, but the bill will conveniently
itemize your delivery charges and ConEdison Solutions’ clean electricity supply charges
separately.

Another Budget tip that will benefit your electric bill are these
Spiral Compact Fluorescent Light Bulbs. I just bought a whole set today and I couldn’t believe the stats on them compared to the bulbs I am using now and have been using for years. The bulbs I used before were always 75 watt soft white bulbs that used a lot of energy and never really lasted that long. But, with the Spiral Compact Fluorescent Light Bulbs you are getting 12,000 hours basically the bulbs are 8 year bulbs. I bought a bulb that was supposed to power 60 watts, but only uses 15 watts to power it, which is why they last so long. Now the average price you save on these bulbs are $54 bucks per bulb in your house. I just bought 7 so that is $378 that I am saving in energy costs.

If non of you have transfered your money to an online savings account yet then you have lost out. When I found out about HSBC Direct and their free 5.05% interest savings account, I couldn’t believe that this was true. Then I quickly transfered my money from my Washington mutual savings account that was only giving me .25% in interest. To me this is an easy decision. Now several banks are copying the online savings and offering around the same rates, so everyone has a lot of different online savings accounts to choose from.

Here are some samples of these online accounts:

The Statement Savings account has:
- A competitive 5.00% APY on all balances (rate only available online)
- No minimum balance requirements, open with $1
- Instant transfer to/from the Free Checking

HSBC Direct Savings

• Summary: 5.05% APY (6% until 4/30 on new money), $1 to open, no monthly minimum balance, links to up to unlimited external bank accounts

Emigrant Direct Savings

Summary: 5.05% APY, $1 to open, no monthly minimum balance, links to up to 4 external bank accounts

Citibank e-Savings Account

Summary: 4.75% APY, only $1 to open, no monthly minimum balance, links to existing Citi checking account or external accounts

• 4.75% Annual Percentage Yield (APY)
• FDIC insurance up to $100,000.

  FDIC-insured

  Federal Deposit Insurance Corporation, FDIC, for short, is an independent agency of the U.S. government that protects you against the loss of your deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the U.S. government.

• Waived monthly banking fees if opened with EZ Checking

E-LOAN Online Savings
Summary: 5.25% APY, $5,000 to open, $500 minimum balance to stay open, links to one external bank account