PAYING IT OFF

Taxes are finally done, the next thing to do is wait for the refund. This year our goal is to pay off as much of our debts as we can. I have 3 credit cards already and I am looking forward to paying off all the balance so we won't have to make monthly payments anymore. Ralph is also paying off his credit cards and hopefully his credit history will improve. As for mine I know that my credit is excellent and we plan on keeping it that way. But speaking of credit card I told Ralph and I wanted to get another credit card, one that has reward cards where you get to buy something with your points earned. Ralph has that on his credit cards but I am not so sure about mine. I think mine has them as well I will just have to call to find out more. Our refund may not be as much as two years ago but its enough to help with our finances. We just need to stick to our plans and pay off as much as we can and try not to use the credit card, only for emergencies.