Long before David Bach wrote The Automatic Millionaire, i figured out i needed to make my savings automatic. From my bill paying account, $20 comes out every week into an investment account (used to be retirement, but I can't do that any more), and $25 a month goes into an emergency fund.

But now, I have an extra $5.31 a week, courtesy of the govt's cost of living increase. Well, I know power and property taxes keep going up, so i guess it will get eaten eventually, but in the meantime what to do?

I've wanted to try tai chi for a while, another trip to India would be fantastic,and and and...if I'm not to wind up with a heap of great memories, but suffering in my old age, I'd better make arrangements to put this money somewhere not-get-at-able now. Then I can have the money and use the interest for neat stuff. Guess I'm better beef up the emergency fund a bit faster. Should be able to increase it to $50 a month.