Honestly, take as much time with the books as you’d like

It’s time for me to start pulling out the gardening books anyway, even though we got snow today, and right at this moment, we’re being pelted with freezing rain. Gurneys sent our strawberries, potatoes and bamboo to us today. I have NO clue what I’m going to do with these right now considering my garden is still covered under snow. Anyway, enjoy, and no worries on when you get the books back to me.

OK… I need Couponing 101 help

I get coupons every week in the paper, in the mail etc. I am bad, I generally throw them away. I do this because I know of no one personally who coupons, and none of the coupons are for items I purchase, so what is the secret to making couponing work? If I mailed an envelope of coupons once a month to people would that be helpful? I do feel like I’m throwing food away, but….

I don’t think I’d go for A as you should have all that covered with your month’s budget

I would lean to B, especially if you could clear up/pay off a debt (then you’d be increasing your snow ball month to month which will ultimately help #4) Can’t remember, what’s your outstanding debt w/o mortgage and payday loan (LendMe1000 site)?

If your BEF is the size is should be an where you feel comfortable, I’d skip. HOWEVER, if you have nothing in retirement, for example, I could be sway in this investing in an IRA.

I like #4, but if you can kill the debt entirely, this will help this area.

Let us know what you guys decide. So happy that the money is indeed yours to keep. Despite the fact that you had to pay it in the first place, it’s so nice you have it back as one lump sum. It feels so different when it’s a big chunk instead instead of small payments.