Windfall!

I just finished my taxes and I must say...being a student while paying a mortgage is the best way to get a phat refund. I'm looking forward to my bank statement in a couple of weeks.

I am very fortunate that this year I don't have major bad debt hanging over my head. My credit cards are under control, my utility bills are paid, I'm not getting angry letters from the bank who owns my mortgage. So this year, I've decided that most of the refund is going to my first ever emergency fund. I've never had one...though I've tried...and I think having a nice chunk of change will help start my e-fund off right.

I've also decided that I'm using part of my refund for TM and I to have some fun...maybe an overnight trip to a bed and breakfast somewhere...or at least a nice dinner and a movie. We need to have more fun, that's for sure.