twice so I a got $31 refund for my fare! I hate those late trains, but I love the on-time guarantee! Too bad now that I have moved I won't be taking it anymore... OK, not really too bad since my commute was 2.5 hrs each way and now it is only 1 hr each way. But I will miss those refunds!

$20 Old Balance: $463.90
Late train refund: $31.82
-------------------------------------
$20 New Balance: $495.72

So close to $500!

I am trying to keep my savings above $500 right now. Anything over that I can spend on something I've been saving for (new laptop battery, for example). I am thinking I might discipline myself even longer and make it a goal to keep the balance minimum at $1,000...I guess we'll see how quickly it is saved up.