It all started when Mr. PaC and I found our ideal honeymoon destination: Little Dix Bay. We had our hearts set on LDB, but it was a bit more than we planned on spending. And so we hemmed and hawed for weeks... re-working the budget, making compromises or cutbacks where we could. Finally, we reached a comfort level with the cost and gave ourselves permission to put the remaining third on a no-interest rewards card. Brilliant!

No sooner than we booked the airfare (which had risen $150/pp because of fuel) and paid our deposit, a fat envelope arrived from the IRS.













