Originally Posted by mrslaird
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.
It is a process of learning...and we've had a few more years to work at getting it closer to that fine line and not have to pay a penalty...and not loan money for no interest!
I've learned a lot from Dave Ramsey over the last few years...much of it is common sense that my parents never did thus they couldn't teach by example!
Now if no one has posted I really will get out of the brown chair!