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Filed the taxes

February 5th, 2007 at 06:29 pm

Well, DH got his W2 on Thursday so I filed our taxes over the weekend. $450 back from the Feds and $70 from the state. Should do better next year, we'll be able to deduct the full years real estate taxes. The money will go straight to savings to put back what we had to take out last month.

I'm feeling better about our finances. This month's CC bill (the one we use and pay off each month) should be quite low and DH is getting more overtime, so that should allow me to put back 100% of the money we took out of savings last month, plus maybe a bit extra. I also got a 0% for 12 months balance transfer offer in the mail, so I'll be able to transfer our debt to another 0% card when the time comes. It's just a $75 transfer fee, which is acceptable, but I'll keep an eye out for other offers that are fee-free. It would save us that much interest in just one month (and then some) so I don't mind a $75 fee, though I'll avoid it if I can. That will give us another 12 months interest free, hopefully we'll do better about geting it paid down, but I' not hold out much hope.

We are remodeling our upstairs bath, and have decided not to make it bigger by breaking into the bedroom. DH wasn't too happy about but I just felt that, one, it was too much money and we don't have it right now, and two, that we'd be "overbuilding for the neighborhood", ie we won't get our investment back when we go to sell. Plus it will cut the time it will take to remodel by at least half, which is always a good thing! We'll still be able to put in a bath tub/shower combo and a bigger vanity (the old bath and a shower only and a wall sink) but it's going to be a tiny bathroom, no two ways about it. But it's a small house to begin with, so I think that's okay. Not many homes in our neighborhood even HAVE two full baths to begin with, and only a handfull have a full bath upstairs at all!

One area I am concerned about is my car. It's running okay, but needs work on the suspension. I'm at the point were I don't know how much more money I want to sink into it. I've had it 9 years as of March, so I've definatly gotten my money's worth, but at the same time I loath the thought of another car payment, since there is no way we can pay cash for a newer used car. But if I can get a low payment for 3 years, maybe that wouldn't be so bad. Something to research, anyway!

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