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	<title>The Frugal Law Student &#187; Report</title>
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	<link>http://www.frugallawstudent.com</link>
	<description>Personal Finance and Productivity From the Perspective of a Law Student</description>
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		<title>November Report</title>
		<link>http://www.frugallawstudent.com/2006/12/01/november-report/</link>
		<comments>http://www.frugallawstudent.com/2006/12/01/november-report/#comments</comments>
		<pubDate>Sat, 02 Dec 2006 01:47:00 +0000</pubDate>
		<dc:creator>The Frugal Law Student</dc:creator>
				<category><![CDATA[Report]]></category>

		<guid isPermaLink="false">http://www.frugallawstudent.com/?p=17</guid>
		<description><![CDATA[
  
  
  
 
Our networth as of today is $-42,283. I messed up the Networth IQ entry. Thus, our improvement isn&#8217;t showing on the graph. However, in according to Microsoft Money, our networth in October was sitting at $-42,570. So, we made a $287 improvement. It&#8217;s nothing big, but it&#8217;s a [...]]]></description>
			<content:encoded><![CDATA[<p>Our networth as of today is $-42,283. I messed up the <a href="http://www.networthiq.com">Networth IQ</a> entry. Thus, our improvement isn&#8217;t showing on the graph. However, in according to Microsoft Money, our networth in October was sitting at $-42,570. So, we made a $287 improvement. It&#8217;s nothing big, but it&#8217;s a start.</p>
<p>Here&#8217;s a list of things that we did to increase out networth by $287.</p>
<ul>
<li>Used <a href="http://frugallawstudent.blogspot.com/2006/11/evelope-budget-system.html">envelope system</a> for groceries and dining out. We went from spending $400 a month on groceries and cosmetics to $250.
</li>
<li><a href="http://frugallawstudent.blogspot.com/2006/11/opened-ing-accont-today.html">Opened an ING Direct</a> account and got a $25 sign up bonus.</li>
<li><a href="http://frugallawstudent.blogspot.com/2006/11/weekly-report.html">Opened a Sharebuilder</a> account and received $50 sign up bonus.</li>
</ul>
<p>I think it also helped that our mutual funds did really well this past month. However, if today&#8217;s any indication of things to come, our success in the market might be taking a break.</p>
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		<title>Weekly Report</title>
		<link>http://www.frugallawstudent.com/2006/11/19/weekly-report/</link>
		<comments>http://www.frugallawstudent.com/2006/11/19/weekly-report/#comments</comments>
		<pubDate>Sun, 19 Nov 2006 22:10:00 +0000</pubDate>
		<dc:creator>Brett McKay</dc:creator>
				<category><![CDATA[Report]]></category>

		<guid isPermaLink="false">http://www.frugallawstudent.com/?p=159</guid>
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Opened an ING Direct account. The interest      rate is 4.4%. Plus, they gave me $25 just for opening the account. If you      would like a referral, feel free to e-mail me at      frugallawstudent@gmail.com
Opened a Sharebuilder Account. If you   [...]]]></description>
			<content:encoded><![CDATA[<ol start="1" type="1">
<li class="MsoNormal"><strong>Opened an <a href="http://www.ingdirect.com/">ING Direct account</a></strong>. The interest      rate is 4.4%. Plus, they gave me $25 just for opening the account. If you      would like a referral, feel free to e-mail me at      frugallawstudent@gmail.com</li>
<li class="MsoNormal"><strong>Opened a <a href="http://www.sharebuilder.com/">Sharebuilder Account</a></strong>. If you      set up a monthly investment plan, it only costs $4 for each buy. I also      got a $50 sing up bonus using one of the several promotion codes listed at      <a href="http://www.bargaineering.com/articles/sharebuilder-50-bonus-revisit.html">Blueprint      for Financial Prosperity</a>.</li>
<li class="MsoNormal"><a href="http://frugallawstudent.blogspot.com/2006/11/evelope-budget-system.html"><strong>Using      Envelope System</strong></a>. The envelope system is amazing. We’ve gone down      from spending $400 a month on groceries and cosmetics for Mrs. FLS to      $250. Knowing you only have the amount of money in the envelope to spend      definitely curtails spending.</li>
<li class="MsoNormal"><a href="http://frugallawstudent.blogspot.com/2006/11/dinner-parties-not-so-frugal.html"><strong>Dinner      Party Redux</strong></a>. The last time Mrs. FLS and I had people over for      dinner it was costly both in time and money. We learned from our mistakes      and opted for a cheap and simple Thai Pai meal. Our guests brought over      egg rolls and desert.</li>
<li class="MsoNormal">Added a new banner. I created      it without spending a dime. I used an open source photoshop program called      <a href="http://www.gimp.org/">Gimp</a> and downloaded the picture of the      scale from a free stock photo site.</li>
</ol>
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