my crazy life

Diligent Birds Get the Tax Breaks

Two days left till Tuesday, April 15, the deadline for tax season. My tax was done back in February. I need the updated information to complete the applications for financial aids for my three children, and as it turned out,…

When Not to Refinance

You’ve had your mortgage for a long time. The amortization chart shows that the proportion of your payment that is credited to the principal of your loan increases each year, while the proportion credited to the interest decreases each year.…