Got a cheque from ING today for $4.99 - a refund of the premiums that my mother paid for her insurance that were overpaid cause she didn't need the insurance for the entire period her last payment was made for.

Felt really weird getting that cheque today. Oh well, it can go into my ING account and give me a cushion against the scary future.

Added a penny for a round $5.00 to be added.

Total in $20 Challenge for 2007: $36

$4 each week for all of last year - in the pool at work. Not sure how many people - 12 to 15 maybe?

My share of annual winnings (50% of winnings is kept to distribute - 50% is invested in tickets) $31

Start to $20 challenge for 2006 - $31

Real return lousy; however, not opting in and being one of the only people left at work when they win - not worth the risk of dropping out of the pool.

I have a $5 cheque from an internet survey and a really silly 19cent cheque to add to my $20 challenge when I get into the account tomorrow

$20 Challenge - $118.19

Looked at my current pay stub and one from a few months ago. I can be putting a significant amount aside and still be bringing home what I brought home a month ago.

I'm going to put some of it in my ING savings (for the $20 challenge) and the rest in my retirement savings account.

I ran into the girl from my investment advisors office in the lobby of the building (not a stretch seeing his office is in the lobby of the building where I work) and she's going to draw up the papers for me to add to my retirement savings tomorrow! Thank goodness I ran into her. This way I can't put it off. I like putting things off - I figure I must enjoy it or I'd stop doing it right?

Until I had a savings account I didn't want to start this challange.

Thanks to junk mail ING just mailed me an application form along with a voucher for a $13 bonus.

So I filled it out, wrote out a cheque for $100 and its going in the mail in them morning.

Therefore I officially start the $20 challenge with $113

Let the savings begin!

2006 $20 Challenge - $113

The World cup means rowdy soccer fans. Rowdy fans means lots of cops. Lot of cops on bicycles. In cute shorts with really nice legs. Driving home was oh so scenic. *fans herself* I had to remember to focus on the road, cause getting into an at fault accident with cops as witnesses isn't a great idea.

On the savings front I dropped by the HSBC offices to see if i could open a high interest savings account with the bonus offer they currently have. Found out that wasn't possible becuase rather than go to an office of their bank the office I went to was actually their finance company. They want to give me money with me paying them high interest rates. I want them to pay me high interest rates for me to let them use my money.

Oh well. I am so looking forward to getting an account open and starting to work on the $20 Challenge

Soon. I really don't want to start it until I have an account open