Total Serious Happy Thread

[Kevy Baby]

Originally Posted by Moonliner

Getting a big tax refund is just you providing an interest free loan to the federal and/or state government. You might want to think about adjusting your withholding's for 2012.

As opposed to the .25% interest I could be making in a savings account? I would rather have the padding and get a small windfall every year than to have to write a check on April 15.

[Moonliner]

Originally Posted by Kevy Baby

As opposed to the .25% interest I could be making in a savings account? I would rather have the padding and get a small windfall every year than to have to write a check on April 15.

Don't forget to add in the finance charges on the credit card balance.

I use smartypig.com to move a small amount each month so I still get the "windfall". In fact (true story) my 2011 balance is paying for my trip to DLR next month.