One Week Tax Refund

I filed just after midnight in the wee early hours of tax day and my refund was deposited in one week! This is so much better than in the old days. It wasn't as big as I'd hoped but at least I didn't have to pay and it did allow me to pay down the Visa a lot.

Balance after payment = $1,222

There is a light at the end of the tunnel. This is the END of my consumer debt. Yay!!!

Just say NO!
No more charge cards (I've only had one card for many years)
No car payment (past 2 years)
Mortgage being refinanced to 15 years (No to more interest)

I will keep the card for online purchases and travel that gets paid off immediately, but that's it!