Money Woes

After a great start back in September with the house...things have slowed down again. We figured we would start rolling again in the spring after tax season. Well, we just heard how little our refund is going to be and for the first time ever - we have to pay the state! Overall we will be getting something back but it's nowhere nearly enough for what we had plans to spend it on. I am feeling very split right now. Technically we are doing the right thing by taking the maximum allowances we can afford from our paychecks so that the government isn't holding onto our money interest free for the year. However, we should have been taking that extra money from each paycheck and putting it into an interest-bearing account. But of course, we didn't. Lesson learned. I will be lowering my exemptions to lessen my paychecks and let the government hold my money since I'm not disciplined enough to do it myself! UGH!