I set up a checking account online so that my student loan payments will never be late. I am still putting some things together so I have several months surplus and my paycheck is split in direct deposit. I also have to set up my extra income stream to go to that account (especially since my raise was $50 a month this time, sigh). I just made my first online deposit with taking pictures of my check I wanted to deposit and then sending it in. Pretty darn cool. So I need to track down this stupid tax return worth 6 months of student loan payments, I have time this morning, and do some other personal stuff to flex my overwork this week.
I can also see that my laddered CD's I have at the same bank are nicely spread out. I have the next maturity date on a couple in July 2017 and then I can fill some gaps. My goal is to have something come due every 6 months and I have 7 accounts. I know a lot of interest rates are low, my local credit union is horrible! My highest rate is 1.70 and about half the CD's are a type I can raise my rate once if it goes up. I have remembered to use them on every account!