DEAR HARRY: Unfortunately, I filed my 1040 a few days before the deadline, so I won't be getting my refund anytime soon. It's going to be about 10 grand, and my wife wants to use it to splurge on a Vegas trip. I haven't said anything, but I don't think it's wise.
DEAR HARRY: I just paid off the balance on my last credit card, and I'm now 100 percent debt free! Wow! It took seven long years, but now my credit reports look very acceptable. The few creditors that didn't get paid in full are now long past the statute of limitations, and none appear in my credit reports.
Harry Gross writes about personal finance for the Daily News.