Archives For Baby Steps

Credit Card Freedom  800My husband and I had worked the baby steps in previous years and had actually gotten out of debt and moved on to step 3.  Then we stopped.  I think we got out of debt too easy by selling things and cashing out an investment and it didn’t “hurt” too bad.  It was fast and easy and relatively painless, which was not at all a good thing.  We didn’t change our attitudes about debt, apparently, because it wasn’t long before we got back into it again.

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It is that time of year again. Between now and April 15th tax returns are filed all across the country. The average tax payer last year received a $3,000 refund. What will you do with your refund this year? If you are struggling with your finances here is what we suggest you do with your refund this year. Continue Reading…