ManiacQuilter2, you're right about the extra 1/4" cut being seldom seen, but it is in the Craftsy 2016 Free BOM Garden Charms. She wants it to quilt to a 5" square (which did away with my being able to simply use charm squares.) I don't know what that woman was thinking.
I can't cut it out in a strip like many have suggested because, I'll need the rest for the other quilt pieces. So I must cut only ONE.
I've taken your suggestion about the glow tape. I don't have a 5.5 but I do have a 6.5" one and have marked out my lines. I'm going to try it for a few cuts.
If I still run to trouble I'll just make out that template that someone else suggested and try that.
Thanks all for trying to help.