The ups and downs of life....

I haven't written in awhile (again) and so I sat down to write my thoughts but first I read my last few posts. "We did it" and "Money Woes" got me thinking how in a short time my life has been a roller coaster ride. I took the day off to have more work done to the house. We're back on the upward motion of this house-building ride! The end is in sight but boy what a ride it's been! I am thankful to have figured out a way to continue the process. This journey has been exhausting. We'd lose sleep over the many decisions that came with building our house. How much money could we save for the next project? Should we spend money on the house or take a break and go on vacation? Many families struggle with money like saving and spending, but not many also have the burden of building on top of everything else. I am looking forward to an easier balance of work and rest.

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!