You're doing a good thing, Mare! I've heard that advice before...whether you have or do not have a huge amount in your savings...the best thing is to make yourself FEEL like you're strapped for cash...it helps cut back on the spending.Years ago we had to pay $70 to the IRS, but it wasn't for filing late...we had too much DUE total, they said...meaning, we paid it all on time before April 15, BUT they charged us a fee anyway for not having enough taken out of the paychecks during the year. That really sucked! (We kinda knew it was coming, but we felt better with the cash in our hands during the year since something always came up and we never took the precaution of having an efund!) In order to avoid paying a tax preparer (since I've done my own taxes for the last 10 years because we don't own a home/car & never need to itemize) I sent the IRS an email earlier this year...and they took a while, like 3 weeks, to respond and they said they needed to look into it some more for a final answer!..and then responded 3 weeks later with like a 7 page detailed response about how his short-term disability & the AD&D insurance this year would affect OUR taxes. (The darn insurance companies REFUSED to get back to me on my questions, though the IRS said they should have been able to answer them). I wanted to make sure to put away enough this year. I am keeping that email in case there are problems when I file the return in 2004! I get scared when I see people posting here about how their credit reports were ruined because of medical collections! All the hospitals claimed we would not receive a bill for his accident...and I am keeping my fingers crossed because that would wipe us out. Anyway, it's good you're going to the gym....lifts the mood!pk-a
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