I know, I know, I should be doing more in the paying down debt department. But, it's been a long time since I've watched savings grow. So I tend to water it more. Today, I went to renew a CD that was coming due. I added some interest that accummulated in another account and renewed for a longer period with higher rates of return. Then, I took the larger emergency fund and turned it into a different type of account. It will earn more interest this way and be compounded monthly instead of quarterly. It wasn't making anything at all, but I liked the liquidity of it. Still haven't graduated to the higher yield accounts that others have, but it's progress in my slow pace. And I'm not sure I'll ever get to where I use an online bank instead of a brick and mortar one. I'm taking baby steps on all of this.

I really, really need to get a better plan of action with the debt repayment. I did talk to another bank where our truck payment resides. They weren't applying any extra on the payment to the principal. Today, I went inside and asked the procedure for this particular bank to get the extra applied where I need it. My actions seems to lag a few months behind knowledge. I knew I needed to do this for awhile. Just never did it.

My problem with credit card repayment is that I charge only two things on the credit cards. But one of those things is DD's tuition payments. That way, I know that my checks didn't wander off into the stratosphere and she get dropped from class. That has been a concern of mine since a package to the same area was lost for a couple of months and another check to a city nearby wandered off for two weeks. I know most items arrive in a timely manner, but I don't want to take the chance on the tuition. So, while I am making progress on some cards, the tuition costs nullify the final total. I need to build something into my budget that can build enough to pay those tuition bills off at once. Then, I will see the bottom line dropping faster.

It is a dream of mine to see those debt totals disappearing. I need to refocus and figure out what will work the best for us on that score. But I can't help it. I have a need to watch something grow. No matter how small it is. So I guess I'll keep watering....