In the Money…

Friday, April 17, 2009

This week I received back both my state and federal tax refund.  What a nice surprise to see all that extra money in my checking account.  Now I have to figure out what to do with it.

Here are my goals:

1)  Pay an extra payment to my Chase credit card so that I can pay that off in November instead of December.  I don’t really want to have to pay off my last payment in December anyway, when I am focusing on putting all of my extra money towards Christmas gifts and the birthdays that come soon in the new year.  So I have ALREADY paid an extra payment today.  I find that if I do this right away, then I don’t really even think about having the extra money.  I just look at my account and see what I have left and focus on making that work for the rest of the month.  The other reason that I want to get this credit card paid off ASAP is that they are raising the interest rate.  I had a 4.99% but now they are going to about 8%.  Of which there is nothing I can do about it.  I already called.  The most I could do is cancel the card and then pay it off at the rate I currently have.  I don’t want to do that because I have a $14,000 account with them.  I want to have that available to me if I ever need it in an emergency and to help with my credit score.

2)  Kimm and I agreed that we want to put an extra payment towards our mortgage this year.  Yep, even with all the extra cost that we are running into with this house, we know that if we can just squeeze an extra payment in each year, we will save so much money in the long run with the interest.  So I have been moving $100 over to my savings each month to deal with this.  So at any point that we want to add extra I’ll be ready.

3)  And I’m sure that some of the extra money will be going towards stuff for the house.  Whether it be for a grill, new garbage disposal, sitting area for the front porch, paint, garden supplies, or WHATEVER comes up (???)–the new house will eat up some of that extra money.

4)  I’m going to use some of the money to have some fun while my parents come visiting next month.

I guess that’s all.  I’m sure that the money will be gone before I know it.  If there’s one thing I’m sure of, extra money always gets spent.

I’m getting ready for my work week.  Tonight is the first of my three nights on.  Thankfully I was able to sleep in this morning.  Then I paid bills.  Now I’m going to do a load of laundry, do the dishes, and take a shower.  By then Kimm will be home, we’ll eat dinner and then I’m off!

By the way, the Orkin man did his business yesterday.  We still have ants, and may be seeing them for the next two weeks–because of the warm weather and the fact that it takes about 2 weeks for the ant killer stuff to work.  If we still see ants in two weeks, we can call for them to come out again before the two month check up.

Oh yeah…Spring is here!  Today the temp is 66 degrees!  I actually have the windows open!

Published in: on April 17, 2009 at 1:50 pm  Leave a Comment