I put $800.00 of my federal return into the Save-O-Meter. I rounded down to that number and kept the balance as money for myself, i.e. pay off a bill or some other expense. The DC tax refund was going to get banked, but then I found out that I owe VA state taxes. About half the DC refund goes to taxes. I could try to save the rest, but I think I am going to pay down half my new car and home insurance.
The new insurance policies I picked up are written for 12 months, instead of the usual 6-month auto policy. Liberty Mutual does not offer lump-sum payment discounts like the old insurer does. Instead I pay in monthly installments which are about $100 per month, but I hope to have it paid off all of the policy in 2 months. That means my Save-O-Meter savings will be slimmer, but it’s important to me to pay this off so I can forget about it.
I got a new credit card this month to balance transfer $3000.00 for 0% interest till next summer. I didn’t read the fine print carefully enough and was charged a small transfer fee by the bank. It’s enough to make me want to cancel the card, but I’ll just leave it alone. I figure I’ll pay it all off when the 0% APR ends and then close the card next year.
I’m in flux right now with expenditures. I need to figure out the monthly payment amounts on my new credit card and insurance and adjust my planned expenses. I booked the hotel and airfare for the wedding in Puerto Rico this summer, but I still have to get tickets and a hotel for the wedding in CA two weeks prior. I would love to pay cash for all of it, but drawing down my cash cushion is not an option.
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