The benefits of being responsible

It's funny how posting about internal debates seems to help me make a decision.

The other day, I detailed my tax refund dilemma, and decided after re-reading it the next day that I was going to stick to my original plan - 1/3 to savings, 1/3 to HELOC, and 1/3 to smart purchases.

And last night, guess what was in my mailbox? A refund check from my previous mortgage company, with the balance of my escrow account (used to pay property taxes only). And since I refinanced just before taxes were due, it's a large amount of money.

Interesting timing - draw your own conclusions.

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