I just sucked it up, decided I could save a few dollars a week by reducing my ‘discretionary spending’, and opened an ING account on my way to work, with a small initial deposit. With my automatic weekly deposits, by the end of the summer, I won’t have any trouble paying first & last month on a new apartment if I decide to move, or covering other little things that come up. Such a nice safety net.

I know that my priority has to be repaying debt, but I’ll feel a lot more comfortable once I have $1,000 or so in the bank for a rainy day.