I’ve been considering calling up our creditors to settle our debt. I’ve held off because I am afraid of how much it will negatively affect our credit scores, but I keep reading that credit scores should be the last thing on one’s mind when you’re as deep in debt as we are. Any personal experiences […]

Remember my last post? The $7K that I owe? Turns out that my accountant was able to bring down what we owed for our federal taxes down to $1600 and increase our state refund to $2900. That means we are going to actually still have $1300 LEFT OVER. How he did it, I don’t know, […]

Got my taxes done and found out that I messed up on our W-4 exemptions. Big time. Basically we owe $7K. How in the world am I going to be able to come up with this by April 15?

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