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Teeny Tiny Baby Steps

January 24th, 2018 at 10:08 am

While this sounds like Dave Ramsey advice, it was really me walking the six blocks to the university today, The sidewalks were full of ice, and I've developed a mortal fear of falling. Day Three of the semester seems to be going just fine, and hopefully today's spending will just be coffee. I see chicken tortilla soup on tonight's menu. It's kind of a flurried evening for us as DH starts his new class and DD is at theatre until 6, so we will eat in shifts.

To help eliminate our overseas transfer issues, we're opening up a Chase savings account--mostly for the SWIFT transfer capabilities, but also for the $200 bonus. Our local bank --which I love--can't seem to accept SWIFT international transfers, although I've sent money out from them. And DH needs to withdraw some British money for his tuition. I can't say we've come to complete agreement on that issue, but he'll pay for half with British cash, and we'll cash flow the other half. Graduate school is an expensive hobby, but perhaps one day he will teach. And the $200 bonus for keeping 15K in the account will lessen the hurt for me a bit. I opened a Chase for the bonus several years ago, but he's still eligible.

I have many meetings on Friday, but it's nice to be 3/4 through with the teaching week. In thinking about uber-frugality this month, I think we've been more frugal than usual, but probably not up to uber. Maybe I can find a few ways to increase cash and limit spending in the remaining week. We have been good about eating through the pantry and freezer, and the chicken tortilla soup will help with that. Hmm--maybe a few things to sell? Or make some time to review our internet service? Anyone have ideas for a couple quick wins?

4 Responses to “Teeny Tiny Baby Steps”

  1. creditcardfree Says:

    Good thinking to open a bank account that will pay you and provide the service you need! Wish I knew a tried and true item to sell. I'm going to post a couple items from my sewing box that I'm not using and may net me a few dollars. Sounds like you know how to limit the spending. Maybe research online savings accounts or CDs for a better interest rate? Ours just went up to 1.40% for one of our accounts. Anything you have to sell is worth a try as well.

  2. My English Castle Says:

    yes, I see Barclays has gone up to 1.40%. I may try to sell DH's skates and look around for more.

  3. rob62521 Says:

    Fine job in opening that bank account. We did the same thing when we were going to Savannah and Tybee Island. We don't use ATMs so we felt if we had an account and some money in there, we could get cash if we needed it at a brick and mortar. We took the biggest share of the money out and put it elsewhere for more interest, but the good thing is this is the bank where we have our safety deposit box, so having an account gives us a discount. This was my mom's bank and it was her box. After she died, I took her name off and put my husband's name on it and we've had it ever since.

  4. FrugalTexan75 Says:

    My DH shares your fear of falling on the ice. Both of his shoulders are already messed up ...

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