It’s finally official: all of our credit cards have been paid off! It took a good bit longer than I expected it to, and with due dates looming, I made some payments before the loan payments went through. As a result, I’m waiting for two checks totaling $383, from two banks. They should arrive before the end of the month. Now on to paying off the home equity loan that made this possible!
Awesome Customer Service
I received my first order from ePantry today. (If you’re not familiar with it, ePantry is a company that sells green household and personal care products, from brands like Method, Mrs. Meyers’s, and Seventh Generation, as a subscription service.) As I was looking over the items in my order, I noticed that one, a Yes to Grapefruit lip balm, was missing. It’s easy to see how such a small item could be missed, but I contacted ePantry‘s customer service team via online chat, to request that a credit for the price, $2.49, be applied to my account. The very pleasant rep immediately applied a $5 credit to my account! (Interested in giving ePantry a try? Use this link, and receive a $10 credit on your first order.)
I dropped our tax paperwork off at our accountant’s office today. (Because of my small business, our taxes are a bit more complex than they might be otherwise, and we prefer to have someone really knowledgeable do them.) When I texted my husband to let him know that I’d done this, he responded, “PTSD.” This was a reference to our taxes last year, when we unexpectedly owed $1,800. We had to take much of the money out of our then paltry emergency fund. This experience was one of the primary catalysts for getting in gear and paying off our debt, and ultimately motivated me to start this blog.
It’s unclear if we’ll owe again this year, as a number of factors are different. Immediately after learning that we owed so much money, we adjusted my husband’s withholding, and had more taxes taken out of his checks. He also earned a good bit more in 2014, but I earned less. Also, I began slowing down with my small business last year, and earned less there, too. We have much more money in our emergency fund this year, should we need additional funds to pay a hefty tax bill, but I’m hopeful that it won’t come to that. We’re now eagerly awaiting the news from the accountant…
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