It was a question asked in the regular forum that got me thinking. The question was "where do you keep your money?"

My answer was 2 checking accounts and 2 MM accounts. One of those MM accounts had $25k and change. It wasn't until I saw the numbers in print that it hit me how much that really was. Not that the yield was bad but come on! I was dipping into that account to pay off bigger credit card balances. Funny how one's mind can trick oneself into thinking you've got piles of the stuff and can therefore spend willy nilly. (And I'm a REAL tightwad!)

As fate would have it, a day or so after I posted my answer some dear on fatwallet dot com posted an unbelievable 90 day CD deal (10%) offered by a local bank chain. It was just the thing to get me off my duff (and into the city) to open the account. Luckily, I called the first bank to see if they would match the rate (they couldn't) but was told I'd be losing $90 in interest if I closed out the MM account before the 25th of the month. Problem was the CD offer could be taken off the table any day. Why lose money, right? So on the advice of a wonderfully helpful gal I transferred over the $25k last week and left just a little in the account to get that $90 before closing it out today and not incurring a fee for falling below the average daily balance.

Now what I'm going to do about paying off the upcoming credit card bill is going to be a different matter.