Since today is tax day (sort of) - if you usually get yearly tax refunds, what do you typically do with them? Are you a "splurge on treats with the 'free' money" kinda gal, or a "ferret it away for a rainy day" type?
We have come out pretty even this year which works for me. I am not a big fan of giving the government interest free loans. Last year we qualified for earned income amongst other credits so we actually made a decent amount of money from the government. We paid some student loans, put money towards finishing or basement, and paid off my one credit card which didn't have much on it.
DS - Kaelan April 2009
DD - Hailey September 2010 (my VBAC baby)
Expecting #3 forChristmas!!!
pay off debt
DH-Aug 30th 1997 Josiah - 6/3/02 Isaac 7/31/03
Normally I would payoff debts. But Dh is not the saver and this time he talked me into going to Disney with the money, so that is what we did!
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We usually each get to pick out a small treat and then we put the rest towards debt. This year though payroll totally f***ed up and only took 1/2 the taxes they should have. It will take me most of the year to pay that back! (I really want to hunt down the payroll woman who was completely incompetent - and has now left - and kick her hard!)
We're super practical. Any extra goes on to the mortgage.
We'll probably put some into savings, use some to pay down my credit card, and then probably use some to do a smallish treat for the family. No plans, as of yet though. For some reason we waited way late this year (and we have NO excuse, my FIL is our accountant!) so we just got the state check in the mail a couple of days ago and haven't gotten the federal yet.
Andy, my SIL is the same way - every year she tries to break even so that she doesn't give the govt an interest free loan.
We usually pay off debt but this year we are remodeling DH's previous house as a rental so it will go towards that.
Mom to Lee, Jake, Brandon, Rocco
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Granddaughters Kylie 10/18/2010 & Aleya 4/22/2013
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