I don't really care to call it that. Sure, it is technically a 'refund' but still...it's just an interest-free loan to the government that they are giving back to me. I really would have preferred keeping the money in our pockets all year long, but that's another post altogether.
Either way, we apparently loaned the government a pretty decent amount over the course of last year, and it's on it's way. Paperwork hoops have all been jumped through, i's dotted and t's crossed in their proper manner.
On the plans for this refund? Well, Dewey has his eye on a backhoe. I'd like to get all my school wish list in place.
But, what's going to happen with it is we are going to stimulate our own economy. We are paying off the bigger of the two loans, and then doubling up on the smaller loan and knocking it out of the way as well.
Yes, seems a bit backwards. Ramsey says snowball it from smallest to largest. That's good advice. I'm not saying anyone should do any different. But for us, that big loan is the thorn in our sides. We at the very least will pay a huge lump down on it, then refinance it so we can double it up anyway. Whatever gets it gone works for us.
These loans are the reason Dewey is working in Arkansas. He's on his last trip home now. They are jumping up to running 2 full-time crews, with him doubling his hours as well. Whatever isn't paid off with that refund, will be within no more than a handful of paychecks with those kind of hours.
See, tax season ain't so bad, if you're going to be doing it anyway. Personally, I think you shouldn't be doing it that way, but that's part of that whole other post I mentioned... As it stands, if you have to get a refund for all that involuntary lending you did while working, make sure you put it to good use. Dot those i's and cross those t's on paper and commit to that plan without fail. Don't just spend it away on little things. Make it make a difference in your lives for the long-term. Don't, not in these days and those to come, make a decision based on short-sighted wants.
On another note -- Dewey mentioned his employer is talking about 2 more jobs -- possibly up in Illinois. Should The Lord lead us to continue on with the work, it will be a whole family move this time, at least for the job term. Enough time apart. They don't call it a family so you can chat over the phone and internet instead of in real life, in person. Children need their Daddy. So does Momma, truth be told. He told his boss I'd be moved before he was if we were heading anywhere north for a few seasons :o)
Either way, it's in The Lord's Hands. He led us to the job he's on now, and He will lead us where we need to go from here.
Thursday, February 5, 2009
Thus saith the LORD, Stand ye in the ways, and see, and ask for the old paths, where is the good way, and walk therein, and ye shall find rest for your souls.
Blogs I Love to Visit...
- 5 Acres & A Drean
- A Pondering Heart
- Ask Jackie @ Backwoods Home
- Bateman Homestead
- Bible Version Comparison Chart
- Busy B Homemaker
- Caffeinated Homestead
- Choosing Voluntary Simplicity
- Down To Earth Blog
- Fruit of Her Hands blog
- Granny Miller blog
- Growing up Herbal
- Half a Hundred Acre Wood blog
- He Sows, She Sews
- He Sows, She Sews
- Herbal Academy of New England Blog
- Homestead Honey blog
- It All Matters Mom blog
- Just Plain Marie
- My Journey to Separation
- Nourishing Days blog
- One and a Half Acre Homestead
- Outside the Box Homeschool blog
- Ozark Mountain Family Homestead
- Reflections from Drywood Creek
- Sabbath Mood Homeschool
- Small Farm Girl
- Simple Green Frugal Coop
- Snowfall Academy blog
- Strangers & Pilgrims on Earth
- Sufficient Graze Farm blog
- The Caffeinated Homestead
- The Crunchy Chicken
- The Nerdy Farmwife
- The Prudent Homemaker
- The Unplugged Family
- The Wild Garden
- This Life I live
- Vaccination Information website
- Vintage Remedies DIY & Articles
- Wellness Mama
- Wood Cookstove Cooking blog