Ok, so after much more input than I expected (thanks everyone!), I've decided how to use this mega tax return. I'm sticking to Dave Ramsey's Total Money Makeover plan and putting the whole $1000 aside as if it doesn't exist. Then I will tackle a big loan payment and the rest will go to me. The money is due in on Feb. 19 so I'm pretty excited.
I would just like to point out that before this new years resolution and my change of heart about my spending habits, I would NOT have been so smart with my money. I would have given myself permission to take half-ish of that just for myself/spending and then saved the other half and eventually that savings would go to paying off my credit card bills if I was short. It's crazy that although it's only about a month ago, I can't believe how DUMB I was!!
Now, after giving myself only $282 of that mega return, I think I deserve to use it! I'll give my guy the $70 I owe him and I'll put $100 into my Spring Break spending envelope and that leaves me with $112 I can spend. I know I said "no-spend" February but the extra discount at Express apparently applies this weekend as well and I can't let that completely pass me by. I'll see what that gets me but I swear I won't spend over $112.
Hmm..maybe I'll put $50 towards getting my hair done and that will complete the amount I need to get that done and I will no longer have to dip into my allowance each paycheck to save for it.
So that leaves me with $60 for an Express trip...I guess we'll find out this weekend if I use it or not.
Thanks for bearing with that thinking through typing! I'm sure I just rambled on but it's just my way of processing how to handle the money. Part of the money makeover is that every dollar coming in should be accounted for because if it's not, it will be spent unwisely. So far so good!