Back to my Excel spreadsheet

I've decided to go back to my Excel spreadsheet for budgeting. I've tried Quicken for a few month, but I manage my budget a lot better with Excel, it's easy to cheat with Quicken, so it's not what I need :p

I opened a new GIC with ING. I took advantage of the new 1 1/2 GIC at 4% :)

Opened my very first GIC :)

I opened my first GIC with ING :)

It is not a long term one, just a year, at 3.65%. I took $1000.00 out of my condo saving account a placed it in a GIC.

I'm planning on doing the same with the next $1000.00 I'll save up so that I'll get the most interests out of it :)

Deposit US Dollars

I got $5.00 USD from Opinion Outpost last week but I was worried about paying a $2.50 fee (on a $5.00 cheque!!!)

So I followed Canadian Saver's advice (thanks!) and deposited it at the ATM, with a post-it saying USD.

Worked great! I didn't pay any fee and they converted the money :)

I know it's just $5.00, but still :p

What ??!!! Again !!!

This morning I've checked my ING Direct account and had a very bad surprise. Their interests rate went down, again!

When I opened my account, they had a 3.65% interest rate, which was kind of cool.
Then, two months ago, interests went down to 3.30%.

And now 3.00% !!! Is it a joke !

How long will they keep going down like this. Instead of spending all their money in commercial, they could pay a decent amount to their existing customers!

Now I let it out and I feel kind of better :p