1/23/2024

Credit Card Debt 25% Rate - Mortgage at 2.75%


Those friends with home mortgages at 2.75 and 3% 
love to brag BUT
Many of them seem to have huge credit card debt.
Credit card interest rates can be 22- 25%.

Have you given up on the story that our student
loans are going to be forgiven? I accepted the
fate and even though that interest rate is only 7.5%
I still frown when sending the payment.

Good new for today:
Income Tax time is coming. 
Wait you didn't smile?
There are six apps that will file your
IRS taxes for free and they are easy peasy
to use.
If your AGI adjusted gross income is
under $79000--
The IRS recommends them here:


Do not be fooled by Turbo Tax and
H & R Block they are being fined
for lying yes telling fibs - they
do not file for zero cost.

Some of the really free apps don't
file your state returns for free but
you can download fillable forms 
online and mail them in.

I'm hoping you get a big refund!