So after reading the posts on my last blog, I've decided to keep some money in my national city account, and transfer the rest to an Emigrant Direct account. 5.05% sounds so nice! After thinking about how much to deposit, I've decided to not put too much in now. Tuition payment is coming up, and I need that money to be VERY readily available. After tuition is taken out, I'm going to leave the minimum in my savings, $300. Then I'm going to put $200 in the ED account. Combined, they will be my emergency funds. $500 covers my bills and leaves some room for groceries: a month's worth of expenses. I was going to leave that $500 in my National City, but I figured that if I could make higher interest on 40% of the total, why not?

Sometimes I wish I could just forget about those silly student loans. Many kids do while they're in college. I know I could be living life quite comfortably that way, but when I think about all the money I'd rack up in the meantime, and the weight it puts on me just having that 4, soon to be 5-figure dollar amount sitting there for me to pay back, I know I cant. It would be too irresponsible anyway, and that's not my style

In the meantime... I applied for an ED account, my initial deposit $25. That goes towards my $20 challenge.
ED initial deposit: $25
November total: $256.75
Running total: $467.26

This means that I reached my goal of putting $250 towards the challenge! Woo! I'm reaching all of my goals way ahead of time this month. It feels great! I really feel in control of things. Last month I only put $210.51, so things are looking up! And for all of you who dont know, my $20 consists of all money put into savings or towards loans. It includes my piggy bank, which I deposit into my savings every month. Not sure if that's how the challenge is supposed to work, but I have totals for little bits of money I save here and there as well.

As for other news, it's going to be a no-spend day today (I'm up to 7 this month, I think there's a miracle happening). I believe I'll be making those pumpkin cookies and relaxing until I have to go to work. The thermostat is set on 66 and I'm in comfy clothes. I said yesterday while hugging BF: "this is how I'm going to save money this winter." and he says, "how? by hugging me?" and I said yeah, and he replied, "I'm gonna start charging you for stealing my heat." hahahaha. He is too funny. Silly boy :P