First, he installed shelves in our closet, which I'll eventually get around to painting. I haven't put everything in its place, but now our shoes, sheets, and bags all have a place.
Then he made a shelf for our entryway, so our guests have a place to hang their coats. He didn't make the W -- that was an engagement gift from Eric & Leah. And now the infamous Whitehead coat of arms has a place too.
And this is my Valentine's Day present -- a trunk to hold all of our blankets. We didn't receive duplicates of things on our registry, but we received at least four blankets or afghans, in addition to the five or ten we already had, so now they have a place too. He spent so much time out in the garage, and for once, I had absolutely no idea what he was doing.
On a side note -- seriously, if anyone has any suggestions about that tax credit (see below, if you haven't already read it), we're listening to anyone who has an opinion ... because we can't make up our minds.
Happy Valentine's Day.
2 comments:
Molly,
Your game looks so fun! Is it one you buy and play (like Cranium)?
My thought on the tax credit is that it's not really a "tax credit" at all. It's basically a loan of $7500 from the gov't. If you could get by without it, you're better off. Especially with the uncertainty of the next few years. At the rate of $500 a month for the next 15 months, you could save up that much in cash (or not on a month that is tight) and do whatever home repairs, buying, debt paying you need. Acquiring debt to pay down debt is a scary thought. I'm all for saving until you can afford something outright. That's just my take. I'm with you on the student loans though, they're the bane of my existence.
Molly,
Hadleigh and I are also eligible for this tax credit, so we've spent the last few days in deliberation about it.
My thoughts on it are if you have some type of high interest debt (credit card, etc.) it might be wise to take the money and pay off that debt. 18-20 % interest that you were paying is now in your pocket.
If you don't have high interest debt, I wouldn't do it. Borrowing money is borrowing money and you will have to pay it back.
Hads and I just decided last night that we are not going to take it because we don't want to be tied down by another debt (even if it's interest free). Also we knew that in the future when we sell our house, we would regret having taken that money because it would be less in our pocket from the sale of the house.
If you can get by without it, I would go that route.
Good luck though, I know it's a tough decision!
Post a Comment