Well, DH and I finished the taxes today. When it comes to taxes, it pays to make no money! We will be getting a substantial amount back. We made almost $20k less than last year due to both of us not working for half the year, so the taxes we planned on paying were a lot less. I can't decide if I want to throw it toward my student loans then pay off the remaining few thousand, or pay off my 0% cc and then put the rest toward our Roths. I know the latter is probably the smarter answer, since the 0% won't last forever, but I know we'll be able to pay the card off soon anyway. And it is just SO tempting to be rid of my student loan...I guess I have some time to think about it before the money gets here. We were looking at the program that lets you buy gift cards at a discounted rate, but it looked as though you would have to pay $14.95 in S & H (unless I was reading it wrong). I think its a better idea for us to just get the money.
I was able to sort through all my real estate paperwork today and get it filed in an organized manner, so I won't have to drive myself nuts looking for papers when I need them. Plus I picked up the bedroom, cleaned out the fridge, finished all the laundry (even the dry cleaning that has been in the hamper for months) - I feel so accomplished today
I was noticing when I cleaned out the fridge how many things I was throwing away just because we didn't know they were in there - not too much, a handful of grapes, a few cherry tomatoes, a little yogurt left in the carton - but it adds up. And those are all things we would have eaten if we had just gotten to them in time. I'll have to be more conscious of this.
I want to add a new goal for February, rather than wait to March. Nothing to do with money, just a personal one for me - drink at least 3 glasses of water per day, between meals. Sometimes I will go until dinnertime and not realize that I have had nothing to drink all day except a glass of milk with lunch - then down four glasses of milk with dinner. I have to remember to drink throughout the day. Sounds simple, but unless I have that glass right next to me, it never crosses my mind. We'll see how it goes, then maybe bump up to four glasses a day. maybe I will save some money (and calories) but not drinking as much milk that way! (but as the daughter of dairy farmers, I am telling all of you to drink YOUR milk!)