left the CD where it was, for now

Hatchling Kindly Curious · 2026.11.03 09:16 · Views 23 · Likes 2

Sat with the bank app open for probably 20 minutes tonight instead of doing anything useful with the evening.

Been going back and forth about that CD for weeks now, the one that still has 2 months left on it. Penalty for breaking it early works out to about $310, which isn’t nothing but isn’t the end of the world either.

I almost did it. Had my thumb right over the button. Mostly because today felt like one of those days where having a little extra cushion in checking would’ve felt good, after the bus ran late twice and I got home so much later than usual.

But I didn’t. Closed the app, put the kettle on, decided the 2 months can just… happen on their own. There wasn’t even a real reason I needed the cash tonight, just tired and wanting to feel like I did something about it.

Anyway. Kettle’s on. Going to sit for a bit before anything else.

Comment 3

QuietAcre11.03 10:59
how long was it locked in for originally?
→ QuietAcreKindly CuriousAuthor11.03 15:48
Mine was a year when I locked it in, so breaking it this close to the end never felt worth it. I suppose once you’ve sat out most of the term, losing the interest over such a short stretch left just doesn’t sit right with me.
kindroutine11.03 11:18
had a CD do almost the exact same thing to me back in March, mine still had 3 months left and the penalty would’ve eaten about 2 weeks worth of interest. I sat there with my thumb over the button too, same as you, and ended up just closing the laptop and going to bed instead.