Recently I was thinking about families and income. Soon I came up with a question so intriguing that I'd post it on my blog to your everyone's input.
Here goes:
Would you take a salary of $100,000 with 2 people working OR a salary of $75,000 with 1 person working???? You have 2 kids (ages 2 and 4), a mortgage of $1,200, and 2 cars.
After some serious, serious thinking I probably would take the 1 person working and $75,000 over 2 people working and $100,000. This is because with 2 people working, you have more bills. With 2 kids ages 2 & 4, there's daycare and maybe even aftercare depending on if you work late a lot, then more wear and tear on both cars, using more gas with maintenance expenses, paying for lunch if you don't take food from home, more eating out because with 2 people working all day, by the time you get home, no one is gonna feel like cooking, when you gotta clean, wash the kids, and put them to bed. That means hardly no family time together as well...and if your not careful, a strain on your marriage.
Now, dont get me wrong..I might choose the $100,000 if we didn't have any kids and it was just us...but that wasn't the question at hand..LOL.
What would you guys choose and why based on the above question?
Looking forward to reading your responses.
Showing posts with label financies. Show all posts
Showing posts with label financies. Show all posts
Tuesday, September 22, 2009
Monday, September 21, 2009
What had this Recession taught you?
Since the beginning of 2008, it seems that the economy has taken a downward spiral. No job is safe...and because of that no home, car, savings, etc is safe. Now, we all know GOD is there for us and guiding us but that doesn't means we wont become affected by the state of our economy. In my state alone...they were planning on laying off over 3,000 people, including police officers and fire fighters.
These were jobs I thought would be safe..since someone will always need them. I can't even imagine the thoughts running through their minds and the stress it causes their household. I do have a college degree and if I need to use it to get a job because my husband can't find one, then I will do that to support my family. I will gladly do that. This is something my husband and I talked about. We have been more open, honest, and realistic with our discussions because things are serious in the real world. People are lsoing jobs, homes, cars, marriages, and everything in between and as a result crime in going up.
With that said, I have learned that I should and need to be better prepared financially if something did happen. If my husband lost him job or had a salary decrease..how would we continue on..at least for a little while. I also have learned to be smarter in purchases I make, not just groceries, but our utilities, car, and misc. payments each month. We also started saving more money, keeping our credit card balance's at $0 or VERY low, and finding inexpensive ways to have fun together. We'll rent a $1 movie, order a $10 pizza and there we have dinner and a movie for $11! This is soo much less than going out to a restaurant and then a movie. That alone would cost us $60!
So my question to you is, what has this economy taught you? Have you starting doing things differently as a result?
These were jobs I thought would be safe..since someone will always need them. I can't even imagine the thoughts running through their minds and the stress it causes their household. I do have a college degree and if I need to use it to get a job because my husband can't find one, then I will do that to support my family. I will gladly do that. This is something my husband and I talked about. We have been more open, honest, and realistic with our discussions because things are serious in the real world. People are lsoing jobs, homes, cars, marriages, and everything in between and as a result crime in going up.
With that said, I have learned that I should and need to be better prepared financially if something did happen. If my husband lost him job or had a salary decrease..how would we continue on..at least for a little while. I also have learned to be smarter in purchases I make, not just groceries, but our utilities, car, and misc. payments each month. We also started saving more money, keeping our credit card balance's at $0 or VERY low, and finding inexpensive ways to have fun together. We'll rent a $1 movie, order a $10 pizza and there we have dinner and a movie for $11! This is soo much less than going out to a restaurant and then a movie. That alone would cost us $60!
So my question to you is, what has this economy taught you? Have you starting doing things differently as a result?
Monday, September 14, 2009
Camera & Holidays
Click here to enter my giveaway. Ends this Friday!!!!!
Ok guys..I forgot to charge my camera. Why does it seem like I always forget to charge things; and its just not the camera; it's my phone too! Yes, I constantly forget to charge it and when I need it, its dead. Gotta stay on top of these things.
So while that's charging, I have been thinking about the upcoming holiday season. I'm sure you guys have been too. I would be lying if I said it wasn't my favorite time of year!! I LOVE everything about Thanksgiving & Christmas; the meaning, decorating, spending time with love ones, and just enjoying the moment.
Now, with that said, that is the time of the year when we spend the most money in my household. Aside from the rise in our bills due to heating, electric (Christmas lights, etc), and food...we have gifts, wrapping paper, parties and the like.
Before you know it, you'll find yourself drowning in overdraft fees, bounced checks, high credit & card balances..IF there isn't a tight rein on spending.
To prevent myself from going through this and to avoid a massive headache as a result, we have developed a budget system for gifts and such. Here's a peak:
Christmas Budget- $550.
Now that may seem like a lot, but when you add up wrapping paper/bags, food, presents, and a donation...$550 seems very low. I remember when my husband and I had our first Christmas together 6 years ago, we spent close to a $1,000 on each other, which in my humble opinion is too much. S0 $550 will include our daughter's gifts, my hubby and I, a donation, and our family pollyanna's.
Gotta love that time of the year, I sure do.
Hvae you starting thinking about the upcoming holiday season? What are you looking forward to?
So while that's charging, I have been thinking about the upcoming holiday season. I'm sure you guys have been too. I would be lying if I said it wasn't my favorite time of year!! I LOVE everything about Thanksgiving & Christmas; the meaning, decorating, spending time with love ones, and just enjoying the moment.
Now, with that said, that is the time of the year when we spend the most money in my household. Aside from the rise in our bills due to heating, electric (Christmas lights, etc), and food...we have gifts, wrapping paper, parties and the like.
Before you know it, you'll find yourself drowning in overdraft fees, bounced checks, high credit & card balances..IF there isn't a tight rein on spending.
To prevent myself from going through this and to avoid a massive headache as a result, we have developed a budget system for gifts and such. Here's a peak:
Christmas Budget- $550.
Now that may seem like a lot, but when you add up wrapping paper/bags, food, presents, and a donation...$550 seems very low. I remember when my husband and I had our first Christmas together 6 years ago, we spent close to a $1,000 on each other, which in my humble opinion is too much. S0 $550 will include our daughter's gifts, my hubby and I, a donation, and our family pollyanna's.
Gotta love that time of the year, I sure do.
Hvae you starting thinking about the upcoming holiday season? What are you looking forward to?
Thursday, May 28, 2009
What Do You Use To Manage Your Family's Finances?!
...is it a software program, spreadsheet in excel that you created or downloaded, on pen and paper, check register, etc?
I personally like a system that is simple, easy to follow...yet detailed for my family's purposes. I like something that isn't all over the place, hard for me to follow or my husband to follow, & included too much information.
Part of the success of creating and maintaining a budget is to have a system that is good & works for you and your personal situation.
How do you manage your family's finances each week, bi-week, month, and/or annually?
I personally like a system that is simple, easy to follow...yet detailed for my family's purposes. I like something that isn't all over the place, hard for me to follow or my husband to follow, & included too much information.
Part of the success of creating and maintaining a budget is to have a system that is good & works for you and your personal situation.
How do you manage your family's finances each week, bi-week, month, and/or annually?
Monday, May 18, 2009
Being a Good Steward With Extra...
Since my husband found out that he will be getting promoted and as a result a raise; I have been thinking about what to do with the extra income. Being that I manage our finances each month, I wanted to make sure that whatever we did, GOD would be pleased.
A few things have popped into my head, some of which are:
1. Starting a Retirement Fund (he's 29; so he still has a lot of time before he retires)
2. Of coarse increase out tithing when the raise takes into effect.
3. Increase our Regular Savings & Emergency Fund Accounts. We currently have 4 months of EM fund savings. We want to increase it to 6-8 months.
4. We would like to put money towards our 1st Family Vacation to Disney World, in September 2010 (which will be $2300-$2500)
5. Finally, continue to give to others and use what the Lord gave us to be a help to someone else.
Again, we are so blessed to even be able to plan these types of things. It is so sad to hear/see lose their jobs. So sad.
A few things have popped into my head, some of which are:
1. Starting a Retirement Fund (he's 29; so he still has a lot of time before he retires)
2. Of coarse increase out tithing when the raise takes into effect.
3. Increase our Regular Savings & Emergency Fund Accounts. We currently have 4 months of EM fund savings. We want to increase it to 6-8 months.
4. We would like to put money towards our 1st Family Vacation to Disney World, in September 2010 (which will be $2300-$2500)
5. Finally, continue to give to others and use what the Lord gave us to be a help to someone else.
Again, we are so blessed to even be able to plan these types of things. It is so sad to hear/see lose their jobs. So sad.
Sunday, March 15, 2009
Taxes, etc.
I was busy from Friday Morning until now and we have some guests coming over in a bit. I had a good weekend but since I had time I wanted to put up a post.
My husband got a bonus from his job and a nice one too. He got 10% of his salary but boy oh boy, when the tax man took his share, we were left with about 53% net of his bonus. Yes, the tax man took 47% but to be honest we understand. See, I grew up not having money and was able to use free government programs/services because my mom didn't hardly make any money. We were on welfare and WIC because we could not afford these things on our own. I thank GOD for those programs because they allowed me to go see a doctor, get 2 surgeries, food, and other important items. Some people would turn their noses up on the poor, but because both my husband and I saw how much the government services helped our families when we were growing up, we totally see the need for taxes.
I try and remember how it was not being able to by milk, eggs, or diapers for my sisters. Because of taxes, the government is able to provide these services to families for free. Yes, there may have been people who abuse the system or could've made better choices, but I think about the children. They didn't ask to be in their situation and why have them suffer for their parents bad mistakes.
So..... he got the bonus and first we paid our tithes, saved some, and got computer monitor from BEST BUY of coarse! Thank GOD because he was able to get a nice bonus in these hard economic times, where many people are losing jobs. I want the LORD to continue blessing us and if we turn our noses up and become uppity and high minded, then he wont allow us the have more because of how we look down on others. He would rather have mercy than sacrifice. To have compassion on others! To never forget where you came from!
BTW- our church service was GREAT! Thank GOD for JESUS!
My husband got a bonus from his job and a nice one too. He got 10% of his salary but boy oh boy, when the tax man took his share, we were left with about 53% net of his bonus. Yes, the tax man took 47% but to be honest we understand. See, I grew up not having money and was able to use free government programs/services because my mom didn't hardly make any money. We were on welfare and WIC because we could not afford these things on our own. I thank GOD for those programs because they allowed me to go see a doctor, get 2 surgeries, food, and other important items. Some people would turn their noses up on the poor, but because both my husband and I saw how much the government services helped our families when we were growing up, we totally see the need for taxes.
I try and remember how it was not being able to by milk, eggs, or diapers for my sisters. Because of taxes, the government is able to provide these services to families for free. Yes, there may have been people who abuse the system or could've made better choices, but I think about the children. They didn't ask to be in their situation and why have them suffer for their parents bad mistakes.
So..... he got the bonus and first we paid our tithes, saved some, and got computer monitor from BEST BUY of coarse! Thank GOD because he was able to get a nice bonus in these hard economic times, where many people are losing jobs. I want the LORD to continue blessing us and if we turn our noses up and become uppity and high minded, then he wont allow us the have more because of how we look down on others. He would rather have mercy than sacrifice. To have compassion on others! To never forget where you came from!
BTW- our church service was GREAT! Thank GOD for JESUS!
Tuesday, March 10, 2009
Having an Emergencey Monthly Budget
In these difficult economic times, it is NEVER ever to soon to start planning for the unexpected. After all, isn't that's what car/home insurance, wills, and other future planning documents are for. It is to have everything in place, as best as you can, so you and your family would be prepared for the worse.
It's no surprise that more and more companies are laying off workers; and although my hubby's job is pretty secure (works in pharmaceutical/technologically field), you just never know. Even if he received a pay decrease, we would need to have a plan in place to cover our bills; especially with me staying home and having 1 income. It's even more important.
I talked with my husband about having an Emergency Budget in place; to cover our necessary expenses until he found another job, if he got laid off. He agreed and we started working on one.
Here's our Emergency Budget (if something happened)-$2,000 a month. (from our savings)
-This does NOT include unemployment, that would just be extra income.
Mortgage, Taxes, Homeowners Insurance, PMI= $1,143.50
Electricity/GAS/Water (Utilities)= $160.00
Phone (basic service)/Internet (basic as well)= $40.00
Cell Phone (reduce plan to just 1 phone with basic plan)= $40.00
Food/Toiletries/household expenses = 275.00
Transportation ( 2 cars, paid off) = $85.00
Student Loans= $40.00 (get them deferred due to unemployment)
Misc= $100.00
Heath Ins. (Daughter would get FREE coverage from state; hubby and I will get coverage through COBRA)= 100.00
Credit Cards= $12.00 ( they have $0 balance, but company charges $12 in monthly maintenance fees)
Total Bills = $1995.50; so we just rounded up to $2,000 (This may sound like a lot, but it isn't)
These are our basic bills, and we figured after looking over everything, we would need $2,000 to cover everything, especially our house payment (so we don't lose it, were new home owners..lol). It pays to save and be frugal, especially in these times where no one or no job is off limits.
Have you and your family developed a plan in case something happened?
It's never to soon to start.
Enjoy your day!
It's no surprise that more and more companies are laying off workers; and although my hubby's job is pretty secure (works in pharmaceutical/technologically field), you just never know. Even if he received a pay decrease, we would need to have a plan in place to cover our bills; especially with me staying home and having 1 income. It's even more important.
I talked with my husband about having an Emergency Budget in place; to cover our necessary expenses until he found another job, if he got laid off. He agreed and we started working on one.
Here's our Emergency Budget (if something happened)-$2,000 a month. (from our savings)
-This does NOT include unemployment, that would just be extra income.
Mortgage, Taxes, Homeowners Insurance, PMI= $1,143.50
Electricity/GAS/Water (Utilities)= $160.00
Phone (basic service)/Internet (basic as well)= $40.00
Cell Phone (reduce plan to just 1 phone with basic plan)= $40.00
Food/Toiletries/household expenses = 275.00
Transportation ( 2 cars, paid off) = $85.00
Student Loans= $40.00 (get them deferred due to unemployment)
Misc= $100.00
Heath Ins. (Daughter would get FREE coverage from state; hubby and I will get coverage through COBRA)= 100.00
Credit Cards= $12.00 ( they have $0 balance, but company charges $12 in monthly maintenance fees)
Total Bills = $1995.50; so we just rounded up to $2,000 (This may sound like a lot, but it isn't)
These are our basic bills, and we figured after looking over everything, we would need $2,000 to cover everything, especially our house payment (so we don't lose it, were new home owners..lol). It pays to save and be frugal, especially in these times where no one or no job is off limits.
Have you and your family developed a plan in case something happened?
It's never to soon to start.
Enjoy your day!
Tuesday, March 3, 2009
Februrary was costly BUT it could've been worse..........
Sometimes we cannot see unforeseen events. Sometimes we just have to roll with the punches. But sometimes (with planning) these "surprises" can be almost done away instantly. February was such a month.
We bought a house, had to renew car insurances on BOTH cars, have homeowners insurance, get BOTH cars inspected, and a host of other things. What we didn't plan on was the battery dying in one of the cars. I guess we could see why since it was the original battery and the car is 11 years old! We had to get a battery from an auto store which cost about $100 including installation. Then a couple of days ago, the same car wouldn't start; we knew it wasn't the battery this time because we'd just replaced it. So my hubby said it could be the starter and he was right. Cost: $435 for part and labor & $55 to tow the car to the auto shop!!! Yes, that's almost $500! But this is another reason why I am a TRUE believer in saving money. Having a savings account allowed us to take care of this issue right then and there. It felt good not having to worry or wait to fix the car. Since we had some extra money coming in this month; we only used $150 of our Emergency Fund and we still have over 4 months of living expenses saved up!!
Also, the same car got inspected and passed but the mechanic "suggested" that we get the filters changed and fix something regarding the fuel injection; needless to say, we didn't want any problems with the car so they were able to fix it for $222 included the inspection, parts, and labor. We took this from our regular savings account the but the money will be replaced by the end of March.
So now we have our homeowners insurance paid up until next year, our car insurance on BOTH cars paid for six months, both cars inspected, we have moved into our new home and are settled, and both cars are up and running. Thank GOD for Jesus!
I'm looking forward to March...warmer weather, no more gigantic bills, hubby's gets a bonus, a promotion at hubby's job is in the works, he will be going to Europe again but just for a week! (we went last year for a month; so we are grateful for a week this time!), and might have to travel to SLC, Utah. I look at this as good news because with so many people losing their jobs, hubby's company trusts & depends on him enough to pay for him to travel to other states/countries to train their staff for them. Thank GOD!
So March/April should be interesting! Am I ready? Is my hubby ready? I guess we'll see!
Enjoy your day!
We bought a house, had to renew car insurances on BOTH cars, have homeowners insurance, get BOTH cars inspected, and a host of other things. What we didn't plan on was the battery dying in one of the cars. I guess we could see why since it was the original battery and the car is 11 years old! We had to get a battery from an auto store which cost about $100 including installation. Then a couple of days ago, the same car wouldn't start; we knew it wasn't the battery this time because we'd just replaced it. So my hubby said it could be the starter and he was right. Cost: $435 for part and labor & $55 to tow the car to the auto shop!!! Yes, that's almost $500! But this is another reason why I am a TRUE believer in saving money. Having a savings account allowed us to take care of this issue right then and there. It felt good not having to worry or wait to fix the car. Since we had some extra money coming in this month; we only used $150 of our Emergency Fund and we still have over 4 months of living expenses saved up!!
Also, the same car got inspected and passed but the mechanic "suggested" that we get the filters changed and fix something regarding the fuel injection; needless to say, we didn't want any problems with the car so they were able to fix it for $222 included the inspection, parts, and labor. We took this from our regular savings account the but the money will be replaced by the end of March.
So now we have our homeowners insurance paid up until next year, our car insurance on BOTH cars paid for six months, both cars inspected, we have moved into our new home and are settled, and both cars are up and running. Thank GOD for Jesus!
I'm looking forward to March...warmer weather, no more gigantic bills, hubby's gets a bonus, a promotion at hubby's job is in the works, he will be going to Europe again but just for a week! (we went last year for a month; so we are grateful for a week this time!), and might have to travel to SLC, Utah. I look at this as good news because with so many people losing their jobs, hubby's company trusts & depends on him enough to pay for him to travel to other states/countries to train their staff for them. Thank GOD!
So March/April should be interesting! Am I ready? Is my hubby ready? I guess we'll see!
Enjoy your day!
Thursday, February 26, 2009
Ahhh...It's Nice To Be Back!!!!
It's good to be back blogging since my hubby's accident and finally moving all of our stuff to our new home. We gave the keys back to the landlords and the rest is history.
My hubby is feeling great and is back at work. He gets the staple taken out of his head Monday.
I am so behind on a lot of things....making my grocery list/matching coupons, laundry, updating our budget, even cooking...sometimes I just found it easier to get take out....
Since then, I updated the budget, cooked dinner and I am now doing laundry and will start my grocery list soon; I don't like going to the market unprepared. I am also in the process of unpacking all our stuff..I'm hoping to have that done by Tuesday, Lord's will...
As for the last post in my financial series (Investments/Retirement), that will be coming this weekend....I had to put that on the back burner because of everything that's going on at the moment.
Enjoy your day!
My hubby is feeling great and is back at work. He gets the staple taken out of his head Monday.
I am so behind on a lot of things....making my grocery list/matching coupons, laundry, updating our budget, even cooking...sometimes I just found it easier to get take out....
Since then, I updated the budget, cooked dinner and I am now doing laundry and will start my grocery list soon; I don't like going to the market unprepared. I am also in the process of unpacking all our stuff..I'm hoping to have that done by Tuesday, Lord's will...
As for the last post in my financial series (Investments/Retirement), that will be coming this weekend....I had to put that on the back burner because of everything that's going on at the moment.
Enjoy your day!
Tuesday, February 3, 2009
2009 Goals (January Update)
Wow, January is gone already. The time is just passing by so quickly, I can hardly keep up. January was a very busy month for us. I started THIS blog, which had over 100 hits by the end of the month (Thanks everyone!); we bought our first home, we started our game/date nights, and was able to save more more money as well.
Our Family Goals:
1. Read the bible in it's entirety in a year. They have many, many resources out there that you can use to help you get through the bible. (gotta keep up with this; usually when I read I start with scriptures from the daily bread or my Sunday school lesson)
2. Have my little sweet pea go to sleep on her own and use the potty by herself. Also ween her from nursing.( I have been making average strides with this issue. I haven't been as good with this as I would've liked but I am making progress)
3. Have a date night with my hubby at least once a month. Have family fun night twice a month. (We went to the Olive Garden (with a coupon), played scrabble, and spent more time having conversations together)
4. Eat healthier. ( I'm working on this. We discovered a new salad this month that was soooo good,; I will share the recipe in a later post)
5. Spend more time outdoors when the weather is beautiful. Parks & Libraries are great places to start. (Weather is still cold, wet, and now it's snowing outside)
Financial Goals:
1. Spend less money on ALL bills, including Electric, Food, etc. (The electric bill has remained the same for the most part; I have decided to spend only $50 a week for groceries for a family of 3, which is $200 a month; gas is a huge saver and we only spend about $100 a month for 2 cars )
2. Save 30% of our income by December 31st, 2009. Seems like a long shot, but with focus and discipline, it can be done. Besides, when the Lord sees my family being good stewards with our money, he'll make it stretch or even add on to it. (The Lord has really blessed us in this area; not only did we have to bring $34.99 to settlement on our home, we were able to put that extra money in savings that we would've brought to settlement. Our goal was to save 30% of our NET income, I am happy to say that we are at 74% of the goal. When we reach this goal, we will just continue to save more.)
3. Open at least 2 ING accounts. I have seen many people recommended ING as a great place to start, when trying to be financially independent. (We are actually going to open 3 accounts; one for Emerg'cy fund, Vacation, and Christmas; we also have a regular savings account with our credit union )
4. Get Sweet Pea a piggy bank or some kind of saving device. It's never to early to teach good habits, especially regarding money. (Didn't get the piggy bank yet, but it's still on our list)
5. Buy our First Home; which we are currently in the process of. I'll keep you all updated. (I'm proud to say that we are NOW homeowners and moving in Feb 13th!!!!)
How did you do in January regarding your goals????
2009 Goals!!!!-Updated
Our Family Goals:
1. Read the bible in it's entirety in a year. They have many, many resources out there that you can use to help you get through the bible. (gotta keep up with this; usually when I read I start with scriptures from the daily bread or my Sunday school lesson)2. Have my little sweet pea go to sleep on her own and use the potty by herself. Also ween her from nursing.( I have been making average strides with this issue. I haven't been as good with this as I would've liked but I am making progress)
3. Have a date night with my hubby at least once a month. Have family fun night twice a month. (We went to the Olive Garden (with a coupon), played scrabble, and spent more time having conversations together)
4. Eat healthier. ( I'm working on this. We discovered a new salad this month that was soooo good,; I will share the recipe in a later post)
5. Spend more time outdoors when the weather is beautiful. Parks & Libraries are great places to start. (Weather is still cold, wet, and now it's snowing outside)
Financial Goals:
1. Spend less money on ALL bills, including Electric, Food, etc. (The electric bill has remained the same for the most part; I have decided to spend only $50 a week for groceries for a family of 3, which is $200 a month; gas is a huge saver and we only spend about $100 a month for 2 cars )
2. Save 30% of our income by December 31st, 2009. Seems like a long shot, but with focus and discipline, it can be done. Besides, when the Lord sees my family being good stewards with our money, he'll make it stretch or even add on to it. (The Lord has really blessed us in this area; not only did we have to bring $34.99 to settlement on our home, we were able to put that extra money in savings that we would've brought to settlement. Our goal was to save 30% of our NET income, I am happy to say that we are at 74% of the goal. When we reach this goal, we will just continue to save more.)
3. Open at least 2 ING accounts. I have seen many people recommended ING as a great place to start, when trying to be financially independent. (We are actually going to open 3 accounts; one for Emerg'cy fund, Vacation, and Christmas; we also have a regular savings account with our credit union )
4. Get Sweet Pea a piggy bank or some kind of saving device. It's never to early to teach good habits, especially regarding money. (Didn't get the piggy bank yet, but it's still on our list)
5. Buy our First Home; which we are currently in the process of. I'll keep you all updated. (I'm proud to say that we are NOW homeowners and moving in Feb 13th!!!!)
How did you do in January regarding your goals????
Monday, January 26, 2009
What would you do with $500 or $1000?
The following in taken from CNN.COM/MONEY....It asks a good question....
"Part of President Obama’s stimulus package is a tax credit of $500 for individuals and $1,000 for couples (with some income restrictions). If Congress passes the measure, what will you spend it on?
If you intend to pay off debt, how are you deciding which debt to pay down? If you are saving the money, are you investing it or just putting it in an account?"
So.......If my hubby and I got a $1000 tax credit ( since we are married), it would put into savings. Since both of our credit cards have $0 balances, we are aren't officially homeowners yet, we have no car payments or personal loans; we'll just save it. I do have student loans but it's no incentive to pay extra unless you're paying off the whole amount; so we'll just stick to our regularly scheduled payments.
What would you do with this tax credit?
Subscribe to:
Posts (Atom)