Been reworking my budget found out the cost of the rental place I like. It's a 2 bedroom and it's a bit of a stretch but not too bad, I can do it. I decided to use half the tax return for the deposit and the other half for credit cards. I've always planned to have a credit card payment just won't have to kill myself paying it. Budgeting is a good way to help me think about my finances what I need to do, what I can do. Paying my mom off will really help me but that doesn't help my credit report, and I'm rebuilding my credit these days.