Opened it yesterday! I now have an honest-to-god passbook account, complete with tiny little cardstock folder in a plastic holder to get stamped when I come in to make deposits. I can just transfer cash from checking with online banking, but the passbook is kind of fun. :)

Yesterday I worked some more on my 2008 budget. I know I forgot some periodic expenses, like when I’ll have to kennel my cat at the vet’s because I’m going out of town, but I put all the excess in the “to savings account” category. So I have a plan to work on this goal.