Following Through

The last couple of weeks have been about following through. I officially set up my food allowance for the month by having a $200 direct deposit going into a checking account. Now I have a special account so that when the money is gone I cannot finagle money from my other account. I decided to take money from my online savings account with HSBC and open a GoSave account at Summit Credit Union. The GoSave is earning 1.85% APY which is slightly more interest than my HSBC Online Savings. The only thing left to do is setup my direct deposit with my employer. After a very long contemplation period, I have officially switched my car insurance saving me about $50 a month. I feel like I’m in a Geico commercial I am expecting the Gecko at any moment now. I know that you should check insurance quotes quite often but I like my agent and I have a long history with Allstate but at the moment Geico is much cheaper. This week I plan to call my credit card companies to ask for lower interest rates and to reduce my phone services.