I am thankful for… ING Direct! I think I first read about it on a blog. And then I decided to try it out and I LOVE IT. It’s such a life saver when it comes to budgeting and saving. At least for me. I can have as many savings accounts as I want(with no minimum balance) and they all show under the same account so it’s easy to move money around. It’s kinda like the envelope system but the envelopes are electronic. The only slow part is moving money back and forth from our non-ING account to ING(or vice versa). It normally takes a few days for the money to be available but since ING now has checks it’s not really much of a bother… ING makes my life easier and that makes me happy!