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[quote=Anonymous]I think the tax refund is a huge red flag unless you had very unexpected changes in your income this year. If you adjust your withholdings, you'd be getting an extra $600 a month! If your current take home pay is $5200, that's a really significant difference! Think how much you could have avoided in interest if you'd paid cash for that amount and not put it on credit. Ultimately though--while you're making some excuses for your own poor monetary choices, it seems like your husband is a huge stumbling block. If he won't play, you will never get out of debt.[/quote]
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