Thanks for visiting Ultimate Money Blog! If you’re new here, you may want to subscribe to my RSS feed. This is my review of WTDirect. I’m trying to find the best online savings accounts, so I’m exploring my options and sharing the information I find here. WTDirect Review WTDirect is actually “Wilmington Trust”.  When I started looking into different banks, I wanted to make sure that I was choosing a bank that is safe.  For some reason, when I have my savings account online, I’m a little more leery of the bank than I am if I know the bank has a brick and mortar location.  WTDirect is FDIC insured, so that makes me feel good. One of my favorite features of WTDirect is that it’s got no minimum balance and no inactivity fees.  I hate seeing savings accounts with an inactivity fee!  It also has a decent high yield, and in today’s rates, that’s saying something. WTDirect‘s rates are on a tiered system. For the first two months the account is opened, the account holder receives the highest interest [...]

I never want to have a car loan again.  Once my car is paid off, I hope that we can save up enough cash to replace either vehicle we currently own.  We bought my vehicle (a 2005 Ford Freestyle) about two years ago, so I’m hoping that it will last at least 10 more years.  That would be great.  We also own a 2002 Ford Mustang and I’m afraid that we will have to replace that sooner than 10 years from now. photo credit: futureatlas.com The thing is- I really don’t know when we should start saving for a replacement vehicle.  I’m content with having one really good reliable car that we can take on road trips (very important as our families both live out of state!) and then the other car can be one that we use to commute back and forth to work.  It doesn’t have to be anything expensive.  I’m thinking that we’ll keep driving both cars we have until we can’t drive them any more and then go from there. I should budget for car maintenance [...]

photo credit: Geoff Peters 604 On Friday night, Mr. Money and I went out to dinner at a local restaurant that we’ve been dying to try. I checked the menu out online, and was surprised to see the prices.  They were a little bit more than I like to spend on dinners. With Mr. Money being a chef, he is interested in sampling different restaurants, so I knew that I’d live to visit the restaurant one day. It just so happened that one day a Groupon offer came to my email inbox for $40 worth of food for just $20!  It was a deal I couldn’t pass up, so I purchased one. The first time I had heard of Groupon, I was uninterested. I thought it would be too tempting, so I didn’t sign up.  After hearing about it a few times, I decided that since it was free, I’d sign up, and I’m glad I did. Before I signed up, I got answers to a few questions I had. How does Groupon work? Every day, a different company decides [...]