For as many years as i can remember I have called myself the queen of procrastination. Now as it is drawing near to midnight and I still have dishes to do and a kitchen to clean up and easter baskets toget ready I am thinking that I need to get my rear in gear and give this title to someone else.
I know that top part has nothing to do with finances but I needed to vent a bit bear with me. (I don't think that was the right spelling but I feel like a grumpy ole bear right about now)
On a financial note I did get my taxes done today. I am getting over $5600. back. I know that will get many of you in a twitter. I have not been a member here long and what I have learned in that short time is I need to budget better and I need to make some major changes to my tax situation. I learned that I can ask my employer to take earned income credit up to a certian amount and get it in my pay check as opposed to tax refund and I learned about how many exemptions I should take to hopefully get me to break closer to even at tax time. Please be patient with the newbee
Now the big question is what to do with the refund. I am unemployed at this time and have been for almost 2 months. I could take the refund and pay off the credit card and be almost debt free or I could feed me and my children and pay utilities and rent. HUMMMMMMM. ;p
I'm ready to give up the throne
April 8th, 2007 at 05:59 am
April 8th, 2007 at 07:16 am 1176012969
Feeding you and the kids is more important, of course, but if you have a particularly hated debt or something small that will give you a psychological boost if you pay it off, consider it.
April 8th, 2007 at 03:29 pm 1176042566
I would put it in saving and feed the kids and pay the rent as long as you can.
PS I thought I was the queen, maybe you are a princess?
April 8th, 2007 at 03:49 pm 1176043782
April 8th, 2007 at 03:49 pm 1176043789
I continually work at not being the queen of procrastination. I usually use the flylady thing of "just do 15 minutes" and at times even use the dang timer. For some reason I always thing that everything is going to take FOREVER when it really doesn't.
My opinion is that you and the kids need food and shelter more than the credit card company needs money. I'd therefore use it for rent/food/utilities until you get a job. Of course I'd be very frugal and hope that a job would come quickly so that whatever is left could go on the card once I was back working.
April 8th, 2007 at 09:12 pm 1176063153
HOmebody, I will have to get back to you on if I am the princess or not.