I�m supposed to be in Florida visiting my mom and enjoying some warmth right now, but I never got it together to make plane reservations, so I�m making some of this week into a staycation. Ugh, I�ve been so lethargic lately. Combination of long winter, depression, poor eating choices and complete lack of exercise. And there�s probably some menopausal hormonal stuff mixed in there, too. Oh my.

I just called Discover to confirm how to set up an auto payment. The instructions on line didn�t really make sense and I don�t want to be late with a payment, or I will lose my 0% interest rate. The auto withdrawals won�t start until May. The next payment is due April 8, so I paid that tonight so that I won�t forget. After that, $677 will be withdrawn every month until mid-September and that c.c. debt will be paid off in full.

I still haven�t done my taxes (thanks to creditcardfree for the reminder!). I�ve already contributed the limit of $17,000 to my work retirement account for 2012. Now I need to decide if I should put some money into my traditional IRA and get a little tax benefit. Or should I open a ROTH IRA? As I start to think about when I want to retire, I wonder if I should have a tax free ROTH account from which to withdraw money (contributions, not earnings) from before I turn 59, just in case I am able to retire before that (probably not a likely scenario, but a girl can dream!). I really need to figure this out so that I can finish my taxes and move on.

I have an exciting start to my day tomorrow � I�m getting my septic tank pumped at 8:00a! I�ve owned my house for 8 years and this is the first time I�ve had this done. It will cost $255 for the pumping, plus whatever labor cost there is to dig down to the tank. I had a fleeting thought of doing the digging myself, but I really don�t want to, so I�m going to cough up the cash and have the pump guy do it. This is the first in an incredibly long list of house tasks that I need to take tackle.

I�ll say goodnight with a favorite photo of my cat Juby: