Because I put my credit cards in a ziplock bag of water and froze them!! It's something I've been meaning to do for awhile, actually ... finally just DID IT.

Thank you, Ima Saver, for sending me the $25 bonus certificate for opening an account at ING!! I got it last week and opened the account with $500 of my EF; there's another week to go before those funds are available for withdrawal, so I will wait until that time to transfer the remaining $1,000 and close the account at my brick & mortar bank. (I felt nervous opening the account w/the entire amount, just in case I needed to get to the cash.)

Last but not least, I already have two no-spend days this month, woo-hoo!!