$400 really isn't that much. I just got a $350 check and what did I do? I chucked it into my savings account for future purchase of a 1968 El Camino. Savings add quickly; I had nothing mere months ago. Now I have over four grand. Just sitting around, earning money all by itself. It's a good plan. By the way,
ING Direct has the best interest rate of any savings account around. These things help.