See what CafeMoms are saying about saving time this holiday season..
I don't make a lot of money. We have some extra throughout the year but not a lot. The only PA I get is medical for my disabled son.
But I am never in the position to have to use my tax return to catch up on bills. I use it for whatever. I always buy my son's birthday presents out of it since his birthday is in April but it's never needed to catch up on rent, utilities, anything like that.
I guess maybe I just manage my money well.
Now I understand something unexpected like your car breaking down or maybe your roof started leaking, etc. But so many talk about using it to pay utility bills, catch up in rent, etc. Like I said we don't have a lot but I live within my means so I never need to do that.
But, here is what I also do. With my gas and electric, since they are never more than 100 a month, I send them 100 a month regardless. I build up a nice credit with them and then live off that for a while before I start all over again. It really does save money in the long run I think.