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Tax Returns

If you are expecting an income tax refund this year, the worst mistake you can make is to perceive it as “found” money. If you find that you receive a large refund every year, you should consider reducing the amount of your withholdings. In effect, by having so much money withheld from your earnings, you are establishing a savings program that earns absolutely no interest.

If you do receive a significant refund, you still have to decide what to do with the money. The best way to use those funds is to eliminate or reduce your debts. Make a priority list for repaying debts. If you don’t have any debts, use the money to invest in yourself. In other words, put the money in a savings account as an emergency fund, just in case you ever lose your job or have a financial emergency. Another option is to consider a safe investment program. Check with a reputable investment adviser for more information.

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