My tax refund arrived and is gone already
As I explained before we have less income than less year and the same expenses. We have been trying to cut on food and home products but we still are short in money. Over the last few months we used our payday loan and credit card. As soon as the tax refund arrived in our account the payday loan was automatically paid and I already made a transfer to pay some amount of the credit credit card. Even so, we still owe some credit card money and I really want to pay it as soon as possible and get rid of the debt presence.
I know some important bloggers write about how to manage tax refund and how much to use of it to pay off debt but if I keep an extra money for daily living I know the money will disappear so I prefer to pay for everything I owe.
There isn’t much we can reduce while shopping although certain “luxuries” could be avoided like buying a happy meal for the kids at least twice a week or going drink a coffee in a café. I also think that I work 40 hours a week for what? To stay at home and not being able to drink a coffee away from home? I don’t spend money in live music concerts or New York Yankees tickets so a coffee isn’t too much.
I know that sacrifices have to be done but we have to live our life although sometimes I think we don’t live…we survive.
