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Opened a 3% CD

October 9th, 2015 at 01:51 pm

We had a $5,000 CD mature about three weeks ago with NFCU. It was earning nearly 5%. I can't seem to find that good of a rate, so I'm taking advantage of the next best thing. There is a 12 month CD special for 3% at NFCU. Our investment in this is $3,000 as that is the maximum allowed.

I'm just glad I didn't procrastinate getting the cash invested any longer. I kind of forgot about it and somehow it came to mind yesterday and I took care of it this morning online.

I did get my Checkout 51 $20 check in the mail yesterday. I wasted no time getting it deposited. And since it was extra money (snowflake) I added it to a Discover reward, and several Amazon gift cards and Swagbucks rewards to order a daybed quilt set I've been wanting to get. It was ordered from Amazon and will arrive tomorrow. We have an extra twin bed in our bonus room/family room that we used to just keep in basement storage. I never cared about the look of the bedding I would put on it as it was just for the occasional guest (usually a child). I now care because I see the bed EVERY time I'm in our family room. I want it to look more part of the decor of the room. With taxes is cost about $64, but non of that was out of income, just snowflakes!

Spending this weekend will be football and marching band competition admissions and a little food or drink at those events. We are going to window shop for speakers too. These are to be a birthday gift for my husband and hopefully paid in full with some credit card rewards. We have to find what we want to buy first. Once we know where and what the cost will be I will order the gift card that we will use to pay for it.

I have a ladder shelf on Amazon that I'm eyeing for either a birthday present (in November) or to use my future rewards for. It would probably be about $65 shipped.

Oh, and in other news. My daughter is likely skipping the band trip to Universal over spring break (which costs about $450). She gets that her Europe/WWII trip is much more costly and this money could help fund part of it (only 10%). We haven't signed up for the big trip yet, but can anytime. We will be talking about ways to get this funded with additional help from her. I think she has some cash she is hoarding that would be helpful. Smile

6 Responses to “Opened a 3% CD”

  1. Ima saver Says:

    That is a great rate right now!

  2. PatientSaver Says:

    Thanks for reminding me that credit union rates are generally better than banks. When the time comes and the fed has finally raised rates, I'll look at credit union CDs too.

    One of the last things I saved from my mother's condo was the 50-yearold headboard for her queen bed. I always liked it. It's solid wood and has a middle bookshelf with 2 sliding wood doors, covered in rattan, on either end, for a total of 3 storage shelves.

    I've been trying to think about how I could use this headboard, currently in my basement, in a living room or family room environment without it looking like a headboard. Maybe simply by using it with a twin size bed mattress along the long end, not the head, it would look more like a daybed, as you seem to be doing.

  3. VS_ozgirl Says:

    Yay for snowflakes!

  4. My English Castle Says:

    That is a great rate.

  5. FrugalTexan75 Says:

    That sounds like a great use for your snowflakes!

  6. rob62521 Says:

    How fortunate to find that rate.

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