Okay, so I have hit a major snag in my plan to pay off cc #1 this year. So, the story goes that last Thursday, the water heater officially died, hence the removal of $500.00 from the house account. It wasn't something I wanted to do, but by the time the plumber arrived, my husband said it was spewing water out the top of the unit. I have not written the check to cover it yet, but it is covered. Fast forward to Wednesday this week when it was 36 degrees outside and our very old furnace was blowing cold air. My husband called a local company to come out and work on it. They "fixed" it, but told us it has a max life of 5 years left. So, we made a mental note to step up the game on saving for the hvac right away. He scheduled a visit with the same company to come out and do a free in home estimate to replace the furnace and a/c. It was basically window shopping so we would know what to shoot for in our savings plan. That same day the furnace quit again, so we began to look more seriously at the quote. The quote is $4564.00 to replace a/c, furnace, thermostat, and a concrete pad for it to rest on. I still had 94% of the tax refund sitting in savings, as we used $95.00 of it to get a new yard/security light installed. When we finally made our minds to accept the quote, we transferred the rest of the tax refund to pay off a large portion of cc #1 in order to cover the cost of the repair. I am definitely going to step up the game of surveys and rebates and not buying non-essentials, like right now!