Tax Refunds and Stupid Ass Responsibilities

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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!

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