Thanks to the IRS applying our 2008 refund to our back taxes, we were able to make a $240 snowball payment to our American Express card and put an additional $26.00 in our Emergency Fund. It really does not seem like much, but every little bit is adding up.

We also went a little crazy this month and installed new carpet in our living room. Our thought is that we are going to be refinancing our home and need to get as high an appraisal as we possibly can and our old carpet (I mean 30 year old carpet) was litteraly worn and threadbare. Hopefully the new carpet will add value and bring the appraisal in higher. The bad part is that we financed the carpet through Home Depot on a 6 month, interest free rate. Which means that we had to add an additional $170 a month to our credit card payments to get it paid or else pay the accrued interest charges. The carpet does look really nice though!