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A Sigh of Relief – I Filed My Taxes


This is the first year I have ever gone past February 28 without doing my taxes. I’m usually Johnny-on-the-spot. Even before we get our W-2’s, I’m punching numbers on the calculator. Then, when the W-2’s come I finalize everything and eFile.

I actually love tax time, and the song playing in my head is “It’s the most wonderful time…of the year.” Sad, isn’t it? Just goes to show how much I love numbers.

Our refund this year will be a little over $3500 total. All of that money is going straight towards debt πŸ™‚

Technorati Tags: taxes, tax+refund

Guess Who Received their Payment?


I have to laugh – AT&T received their payment yesterday. They were nice enough to send me an email to let me know.

I was pretty cautious of my entire phone call from them as being a scam, but it really sounds like everything was legit.

But still, it’s never a good idea to give your banking information out with a call that you did not initiate (just to be on the safe side).

The Second Collection Call in my Life


Even with my debt level and my lack of income, I’ve managed to hoard off the collection calls and pay most of my bills on time (with the exception of a few that I have had to strategically pay late – but not late enough to warrant a call).

My very first collection call was about 9 years ago when I was college. It turned out that a few bills from when my wisdom teeth were pulled were unpaid by my parents (I was 17 at the time). My name was on the account, and they finally found me. Luckily, I had some money at the time and I cut a check right then and there and took care of them.

But today, I received my second call – and I can’t believe it. Here’s how the conversation went:

Me: Hello.

Them: Hello, this is (can’t remember her name) from AT&T Accounts Receivable and I am calling because you have an unpaid balance of $110 (and some change) on your account.

Me: I do? (because I keep current with the phone bill)

Them: Yes, you do. Would you like to pay that over the phone today with a check?

Me: Hold on, and let me check my records real quick because that does not sound right. (I was just working in Quickenso I pulled up the information on my last payment).

Me: That has to be two months.


Me:That must be two months, right? (now I’m wondering if this is a scam and someone wanting my banking info)

Them: *Silence*

Me: Right??

Them:Oh, I’m sorry mam. What did you say?

Me:That must be two months that you are talking about, right?

Them: Yes, that is for the payment due on March 24 and for the payment due that you have not received the bill for yet.

Me: Well, I’m not concerned about the amount I haven’t received a bill for yet (man, was I so peeved that she was trying to get me to pay for a bill I haven’t even received yet!!)

Them: Would you like to pay the past due amount over the phone right now?

Me: No, because I mailed the check on March 25. (I lower my head because I did forget to mail the darn check before the due date on this one)

Them: Okay mam, I will note that in our records that your payment was mailed on March 25 and your service will not be shut off.

Me: Okay.

Them: Thank you for choosing AT&T. Have a nice day.

Me: You too.


My payment was 7 days late!!! And that warrants a telephone call on a Saturday nonetheless? What ever happened to past due notices? And trying to sneak in getting me to pay for the bill I haven’t received yet???

I’m not sure what to think on this one.

Technorati Tags: collection+call

Tentative Tax Refund Amount


After the setback with completing a balance transfer to the incorrect card, I needed some good news. So, I decided to do a very brief calcualtion of my tax refund. I knew I would be getting one – I just wasn’t sure how much.

I figured probably a couple grand, but I am pleased to say it looks more like $3500! Gosh, I love the Earned Income Credit!!

I probably won’t be writing tomorrow, because I will be getting everything finalized so I can get my returns efiled so I can get this cash to pay down some debt πŸ™‚

Technorati Tags: tax+refund

End of the Month Jitters


I am feeling a little bit nervous today. Today is the last day of February and tomorrow I will be able to close the month of February and see how I am standing compared to January.

I have a feeling that I was able to reduce some of my debt. Not too much, because I know I made a large purchase at the beginning of February (work-related and it will be reimbursed in July). I believe my checking balance is higher which is good.

Overall, probably not much of a change, but with this being my first month, ANY change where my net worth is increasing is a good change.

I guess we will find out in the next few days.

Technorati Tags: net+worth