I know we should use our money better throughout the year instead of getting a big return. But. I also know we do better with the "windfall" than we do with just the little bit extra a month. Especially after Dec and Jan with gifts, gifts, and more gifts, plus our HOA dues. So until we are both more disciplined this works better for us. I hope that we make progress and that is not always the case, but for now it is.
Beauty is the miracle of things going together imperfectly. ~ Anne Lamott