I’ve a reward checking account at my local credit union currently at 5.01%. It’s been like this for well over a year – prior to that it was at 6.01%. For now, I will use this to stash the “Pay Myself First” savings, to include another $50 or so in a separate category column labeled “Same as Cash” to get the required 12 purchases. I work at Cracker Barrel, so essentially spend my fun money there for a 50% off employee meal or a few snacks – all under $5 each or less. Very easy, cheap stuff.

Thanks for the update, however.