Yeah, I didn't really watch my money too well in October. I didn't spend like crazy, but I know I spent more than I needed to.

Here's the goals for November:

1. Stay on budget!
2. $1000 into my emergency fund (either ING or Emigrant, I'll see what happens to rates after this latest hike. I've had problems with my Emigrant account-- I keep forgetting to call them during business hours.)
3. $100 into my Roth IRA! (I just now set it up to be done automatically- $100 every month until I set it to stop.

Well, I don't know what caused me to go ahead and open my IRA last Thursday, but boy, am I glad I did! Vanguard just raised the minimum investment on IRA accounts from $1000 (which I have, and have plenty left in my emergency fund) to $3000 (to keep my emergency fund where I want it, I would have had to wait till February!).

I don't think this is a smart move on Vanguard's part. There are too many other places you can invest that let you set up an automatic, every-month investment plan, without you needing a huge investment. I know it's in Vanguard's customers' interests, ultimately, for Vanguard to keep costs down, and I have heard that Vanguard loses money on accounts less than $7000... But $1000 accounts grow into $7000 accounts, and $70,000 accounts, and I have a feeling Vanguard's going to be losing a lot of those accounts.