So now that our w-2s are done and I did complete the filing, I actually owe only $32. I verified and re-checked everything and with a credit that I originally misapplied, I still have to pay but not as much. I still will hold the printed filing of both fed and state for a bit. I don't owe on state.
I will adjust the withholding still to have a bit more paid though I am loathe to let the government have any money any earlier than necessary. Harumph!
But I did have a plan to pay and I will revert that to a plan to save. Easy peasy, budgets are important and is not a dirty word.