Savings

I used to only have a checking account. When you are semi deep in credit card debt, there's no reason for savings accounts. Now that I'm back on my feet and paying off all my bills on time, I actually have some extra left over at times. Now it's my turn to earn some interest, just like those credit card companies were earning interest off of me for all those years. I need a savings account without a minimum amount, because there is a chance that in any given month I may need to dip into all or most that I have saved up. But that's ok, being in the positive at all is much better than being in the negative.

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