Tax season used to be fun. I’ve been working since I was a teenager, so every tax season I’d get a little bit back as a refund. *Sighs* Tax Season… when I was younger this often meant getting new clothes or shoes… maybe using it as a down payment on some stupid shit car I didn’t need. Tax Season = OH MY GOD NEW BEDDING SET.
Well not anymore folks! Somewhere over the last 5 years, I became responsible. Like really, financially responsible. Sounds great right? NOT. Now instead of getting those sick ass boots I’ve been eyeing for like 4 months, I’m paying down loans. I wanted to go and buy some new jeans for spring… but no, alas, I’d like to lower my car payments.
This year I received a pretty decent refund, for me anyway, and over the past few months I’ve been negotiating all of my re-occurring payments *down*. One of the ways I was able to do that was paying down on my cars. So by parting with half of my refund, I lower my remaining 12 payments by $100. Which doesn’t sound like much, but it adds up quickly. I put the rest towards my mortgage… because sheesh… looking at the remaining principle just hurts my head.
I know that being financially responsible is a good thing, getting out of debt is even better (I’m looking at you credit cards!), but sometimes it’s downright depressing. Especially with social media these days. I can’t open up facebook without seeing someone buying something new, especially around tax time. However, I want to be out of debt in 10 years (including my mortgage, unless I sell) and if that’s even remotely feasible, I will find a way.
Hey, I’m old school. I still have a change jar! That’ll be my new boots fund!