dont know what to spend refund on now
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dont know what to spend refund on now
| Wed, 01-21-2009 - 11:57pm |
at first it was a no brainer, we would just spend it all on our debt. but now its like but we need this and we need to do this. now we might even have to spend a little on bills bc DF missed a couple of days at work and then ofcourse we want to put SOMETHING into savings. i just dont know the best way to divide this all up

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I think it is always a good idea to have some money set aside for things that are hard to budget for but need to be done, such as repairing cars and oil burners and such. Otherwise you end up charging those things and just digging the hole deeper.
The last two car repairs I had came to almost $800 each and were fairly routine things. Our oil burner and water softener both broke down this past week and we had repair calls on both which added up to over $400. Not fixing things often creates bigger problems, so not making these repairs was not an option. If you don't have this kind of money set aside, that would be my suggestion.
Then if there's anything left over, take a small bit of it for fun money and use the rest to pay off debt. It's discouraging to never have any fun. :)
Kelly
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