tax refund http://www.wisebread.com/taxonomy/term/11736/all en-US 11 Ways to Make Your Money Grow This Spring http://www.wisebread.com/11-ways-to-make-your-money-grow-this-spring <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-ways-to-make-your-money-grow-this-spring" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-511664807.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I'm no fan of winter, but there's an upside to being holed up in my house three to four months out of the year: I spend way less money (outside of Christmas, of course).</p> <p>Springtime, though &mdash; all bets are off. I'm outside most of the time, hitting the beach, grabbing lunches and dinners on the go, planning mini-vacays, buying fresh threads for all those weekend parties, consuming cocktails &mdash; you get the picture; it's expensive.</p> <p>You could avoid spending money altogether when spring rolls around, but what fun is that? If you like to have a great time when the weather is cooperative, read through this list of ways to earn extra income so you can do all the things you like to do in the sunshine without going into debt.</p> <h2>1. Pick up seasonal employment</h2> <p>Depending on where you live, there could be a bounty of seasonal spring and summer employment. I live by the beach, for instance, and everybody's hiring this time of year &mdash; boardwalk shops, beach clubs, restaurants, landscapers, hotels, water-sports instructors, and more. But even if you didn't plant roots near a shore, there are still opportunities in your neck of the woods. Consider local amusement and water parks, baseball stadiums (one of the most fun jobs I've ever had!), spring-cleaning side work, camp counselor, and other <a href="http://www.wisebread.com/12-great-side-jobs-for-outdoorsy-types?ref=internal" target="_blank">outdoorsy-type gigs</a>.</p> <p>Andrew Fiebert, co-founder of Listen Money Matters, a personal finance podcast and blog, suggests, &quot;Jobs where you can earn tips can easily boost the amount you make. Tutoring or private lessons are other great part-time jobs and you have more control over your schedule.&quot;</p> <h2>2. Sell your spring-cleaning surplus</h2> <p>I do a deep clean of my house twice a year &mdash; at the start of spring and fall &mdash; and I'm continually amazed at how much I get rid of each cycle. Instead of sending everything to charity or a landfill, I try to monetize my junk. I sell my unwanted clothes on Swap.com (which has gone fairly well in the past) and I list other household items, electronics, sports equipment, etc., on the <a href="https://us.letgo.com/en" target="_blank">Letgo</a> app. Both are super easy to use. (See also: <a href="http://www.wisebread.com/10-easiest-items-to-flip-for-cash?ref=seealso" target="_blank">10 Easiest Items to &quot;Flip&quot; for Cash</a>)</p> <p>&quot;There are plenty of websites that can help you [unload your toss-outs], eBay being one of the most notorious, but you pay less in fees with Bonanza and eBid.&quot; says Natasha Rachel Smith, personal finance expert at TopCashback.com. &quot;If your goods are designer, it's worth checking out Tradesy or Poshmark. BuyBackWorld is great for electronics, and Raise.com will, in many cases, actually pay you $1.50 per gift card you list for sale through TopCashback.&quot;</p> <h2>3. Switch to a cash back credit card</h2> <p>If you're not currently using a <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash back credit card</a>, it's time to switch &mdash; pronto. Credit cards these days offer scores of money-saving benefits, like <a href="http://www.wisebread.com/how-to-get-a-price-match-through-your-credit-card?ref=internal" target="_blank">price matching</a> and return protection. And if you're going to spend money, you might as well get paid for it. (See also: <a href="http://www.wisebread.com/how-to-save-an-extra-109486-a-year?ref=seealso" target="_blank">How to Save an Extra $1,094.86 a Year</a>)</p> <h2>4. Take advantage of free outdoor activities</h2> <p>I'm the planner in my relationship and among my friends, and I like to get out and have fun when the weather is nice. But having a robust schedule can be expensive if you let it get away from you. I spend cash here and there (movie tickets, boat trips, parasailing), but I'm primarily focused on all the fun, free activities my area has to offer, like bonfires, movie screenings, hikes, swimming in local hotel pools, game nights on the patio, and dozens of other ideas that won't cost you a dime. (See also: <a href="http://www.wisebread.com/47-cheap-fun-things-to-do-this-weekend?ref=seealso" target="_blank">47 Cheap and Fun Things to Do This Weekend</a>)</p> <h2>5. Put your gym membership on hold and exercise outside</h2> <p>My gym membership is about $60 a month, but if I put it on hold in the spring and summer to exercise outside, it'll only cost me $15 a month. Now, I don't personally do this because I like my classes and instructors &mdash; they keep me motivated. But if you're a self-motivator or just focused on cardio, this could be a great place to cut back and put more money in your spring budget. (See also: <a href="http://www.wisebread.com/these-at-home-exercises-will-give-you-a-gym-quality-workout-for-free?ref=seealso" target="_blank">These At-Home Exercises Will Give You a Gym-Quality Workout for Free</a>)</p> <h2>6. Fight the temptation to spend your tax refund</h2> <p>Everybody gets those twinkly dollar signs in their eyes when their refund checks arrive, but practice self control and try not to spend it on frivolous things. That money is better suited paying off bills, going to your savings account, or paying for/putting a down payment on a vacation (but only if you've got a handle on your credit card payments and other bills). (See also: <a href="http://www.wisebread.com/50-smart-things-to-do-with-your-tax-refund?ref=seealso" target="_blank">50 Smart Things to Do With Your Tax Refund</a>)</p> <h2>7. Plant a garden to cut down on food costs</h2> <p>When the temperature starts to heat up, I crave fresh fruits and veggies; there's just something about a cool cucumber when it's 90 degrees outside (especially in a mojito). You can go to the grocery store to stock up, but if you're resourceful and dedicated, why not plant your own garden to eat from all season long? According to the USDA, a family of four spends an average $1,000 a month on groceries, but growing your own produce will cut that bill. Maybe not significantly, but extra money is extra money. (See also: <a href="http://www.wisebread.com/10-most-valuable-things-to-plant-in-your-garden-this-spring?ref=seealso" target="_blank">10 Most Valuable Things to Plant in Your Garden This Spring</a>)</p> <h2>8. Host guests via a micro-subletting site</h2> <p>I've been a host on Airbnb since its inception and it has completely enriched my life. Not only do I love meeting and hosting strangers from all over the world, but it's also made a major impact on my financial health. The revenue I bring in from my beach house during the summer fully covers the mortgage (with plenty to spare) all year long, which is why I recommend this lifestyle to everyone with the capacity to host guests. (See also: <a href="http://www.wisebread.com/13-things-i-learned-from-renting-out-my-home-on-airbnb?ref=seealso" target="_blank">13 Things I Learned From Renting Out My Home on Airbnb</a>).</p> <h2>9. Nip excessive energy use in the bud</h2> <p>Open your doors and windows and pull up the shades to take advantage of natural light. Hang-dry your clothes instead of running the dryer. Cook on the outdoor grill more than in your oven. Turn on ceiling fans in lieu of the air conditioner for as long as you can hold out. Sleep with lighter blankets or just straight-up naked. Use less water with quicker showers, and by watering plants in the morning or late evening so the water doesn't evaporate as quickly. (See also: <a href="http://www.wisebread.com/34-smart-ways-to-cut-your-electric-bill?ref=seealso" target="_blank">34 Smart Ways to Cut Your Electric Bill</a>)</p> <h2>10. Review your subscription services</h2> <p>Take a look at your subscriptions to see what can go. Maybe you want to keep your magazines because you like reading them on vacation. On the flip side, if you don't consume much content in the spring and summer because you're out and about a lot, you might consider putting on hold or canceling streaming services. Also, take a good look at your online bank accounts to see if you've missed anything; there might be monthly fees coming out that you forgot about. Cancel anything you're not using enough to justify its cost. Saying &quot;so long&quot; to standard cable, for instance, can add hundreds (maybe even $1,000 or more) to your budget. (See also: <a href="http://www.wisebread.com/3-tv-must-haves-once-you-cut-the-cable-cord?ref=seealso" target="_blank">3 TV Must-Haves Once You Cut the Cable Cord</a>)</p> <h2>11. Just say &quot;NO&quot;</h2> <p>While I enjoy an active social calendar in the spring, I can't attend everything. And you don't have to, either. If an event (like a dinner group or destination wedding or weekend away with your pals) isn't affordable, opt out. You're not obligated to go to any of these things, and you shouldn't put yourself in a financial pickle as a result.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/11-ways-to-make-your-money-grow-this-spring">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-fast-ways-to-restock-an-emergency-fund-after-an-emergency">6 Fast Ways to Restock an Emergency Fund After an Emergency</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-simple-plan-for-saving-up-a-2000-fun-fund">A Simple Plan for Saving Up a $2000 Fun Fund</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-to-earn-money-online">7 Surprising Ways to Earn Money Online</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-side-jobs-you-can-do-on-your-bicycle">6 Great Side Jobs You Can Do on Your Bicycle</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-make-an-extra-1000-this-summer">9 Ways to Make an Extra $1,000 This Summer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income AirBnb energy costs fun gym memberships making money saving money side jobs spring subscriptions summer tax refund Fri, 14 Apr 2017 08:00:10 +0000 Mikey Rox 1925858 at http://www.wisebread.com Ask the Readers: How Have You Spent Past Tax Refunds? http://www.wisebread.com/ask-the-readers-how-have-you-spent-past-tax-refunds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-how-have-you-spent-past-tax-refunds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_happy_shopping_547125462.jpg" alt="Couple sharing how they spend past tax returns" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to <a href="http://www.wisebread.com/ask-the-readers-how-have-you-spent-past-tax-refunds#comment-816921">Gina</a>, Mary, and Julie for winning this week's contest!</em></p> <p>It's tax season! Many Americans dread the paperwork involved in filing taxes, but no one would turn down a tax refund if it turns out the government owes you money. Putting the tax refund into a savings or retirement account is the sensible thing to do, but depending on your financial situation and your goals at any given year, you may have decided to spend the money elsewhere.</p> <p><strong>How have you spent past tax refunds?</strong> Do you think the money was well-spent, in retrospect? Are you expecting a refund this year?</p> <p>Tell us how you've spent your tax refund in past years and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win!</p> <h3>Mandatory Entry:</h3> <ul> <li>Post your answer in the comments below. One commenter will be randomly selected to win a $20 Amazon Gift Card!</li> </ul> <h3>For Extra Entries:</h3> <ul> <li>You can tweet about our giveaway for an extra entry. Also, our Facebook fans can get an extra entry too! Use our Rafflecopter widget for your chance to win one of the other two Amazon Gift Cards:</li> </ul> <p><a class="rcptr" href="http://www.rafflecopter.com/rafl/display/79857dfa286/" rel="nofollow" data-raflid="79857dfa286" data-theme="classic" data-template="" id="rcwidget_y2aa4gd5">a Rafflecopter giveaway</a> </p> <script src="https://widget-prime.rafflecopter.com/launch.js"></script></p> <p>If you're inspired to write a whole blog post OR you have a photo on Flickr to share, please link to it in the comments or tweet it.</p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, March 6 at 11:59 p.m. Pacific. Winners will be announced after March 6 on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.<br /> &nbsp;</li> <li>You must be 18 and U.S. resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us how you&#039;ve spent your tax refund in past years and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-how-have-you-spent-past-tax-refunds">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-will-you-buy-with-your-tax-refund-win-turbo-tax-prizes">Ask the Readers: What will You Buy with Your Tax Refund? (Win Turbo Tax Prizes!)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-whats-your-healthy-new-years-habit">Ask the Readers: What&#039;s Your Healthy New Year&#039;s Habit?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-whats-your-best-post-holiday-purchase-chance-to-win-10">Ask the Readers: What&#039;s Your Best Post-Holiday Purchase? (Chance to win $10!)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-hope-in-a-new-year-chance-to-win-10">Ask the Readers: Hope in a New Year? (Chance to Win $10)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-share-your-favorite-frugal-holiday-tradition">Ask the Readers: Share Your Favorite Frugal Holiday Tradition</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers tax refund Tue, 28 Feb 2017 10:31:24 +0000 Ashley Jacobs 1898663 at http://www.wisebread.com 10 Smart Ways I'm Spending My Tax Refund http://www.wisebread.com/10-smart-ways-im-spending-my-tax-refund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-smart-ways-im-spending-my-tax-refund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dog_veterinarian_000047202298.jpg" alt="Smart ways to spend your tax refund this year" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For the first time in what seems like ages &mdash; at least six years &mdash; I don't owe the IRS one red cent on my taxes. In fact, this year the government is going to pay <em>me</em>. I have grand plans for the extra influx of cash, mostly to tie up several financial loose ends. Take a look at this list of where my refund money is going, and make a plan to spend yours just as smartly.</p> <h2>1. Paying Off an Outstanding Medical Bill</h2> <p>Very annoyingly, I received a doctor's bill many weeks ago that was well above what I was expecting. I let it go for a while because I needed to call the doctor's office and cross-reference the fees with my insurance company to make sure everything was legitimate. Unfortunately, the charges were valid (not the outcome I was hoping for), so I have to pay up.</p> <p>If you have outstanding medical bills, consider using all or part of your refund to tackle this debt. One bonus: Many hospitals and physicians will allow you to create interest-free payment plans to tackle your bills, making it unlikely you'll need to drop your <em>entire </em>tax refund on them.</p> <h2>2. Scheduling a Car Maintenance Appointment</h2> <p>The last time I had my oil changed, the mechanic told me that my car needed an alignment. It wasn't something I was prepared to pay for at the time, but I'll have it done now that I have the extra dough. While I'm there, I'll also have a few other issues taken care of, like a recently burnt-out headlight and the buffing of a dent that someone put in my car in the mall parking lot.</p> <h2>3. Pet Expenses</h2> <p>In the winter, I let my babe's fur grow a bit longer than I normally do throughout the rest of the year &mdash; cold weather and all. But spring is just around the corner, so it's time for a trim. And maybe a treat or two.</p> <p>More importantly: Is your pet overdue for a trip to the vet? Spending some of your tax refund on your furry friend's health might be much appreciated &mdash; and save you from bigger vet bills in the long run.</p> <h2>4. Household Maintenance</h2> <p>It's not smart to let household maintenance go, and with your wallet is flush, now's the time to cross those to-dos off your list.</p> <h3>Stocking Up on Household Necessities</h3> <p>I host a lot of guests on a regular basis, so not only am I constantly cleaning the house &mdash; causing me to burn through cleaning supplies rather quickly &mdash; but I also go through a decent amount of kitchen and bathroom paper products. To cut costs and trips to the store, I buy these items in bulk and store them so I always have them on hand. And since they're not exactly cheap, now is the right time to stock up.</p> <h3>Having the Carpets Professionally Cleaned</h3> <p>I totally dread having to replace my upstairs carpeting (I wish I didn't have it at all!), so I'm keen to keep it in good shape. That means having it professionally cleaned (which isn't as expensive as you might think) to combat the wear-and-tear of constant human and animal traffic.</p> <h3>Hiring a Landscaper to Clean Up the Yard</h3> <p>I love the outdoors, but I hate doing yard work. Thus, a portion of my refund will go to my friendly neighborhood landscaper who will clean up the fall and winter gunk so the my property can shine when the weather gets warm again.</p> <h3>Making Minor Fixes Around the House</h3> <p>We all have those tiny things that we need to fix around the house, but sometimes they're so insignificant that they don't warrant a trip to the store for supplies just for that one little problem. Refund time is a perfect time to make a list of what's dead or not working &mdash; like light bulbs, remote batteries, and other easy, inexpensive fixes.</p> <h3>Completing Forgotten or Overlooked Home Projects</h3> <p>I plan to hire a handy person &mdash; likely a student looking to make a quick few bucks &mdash; from Craigslist to help me finish a few put-to-the-side projects, like fixing a hole in my bathroom wall, hanging shelves, and cleaning up the basement. Much cheaper than hiring a professional company at professional prices.</p> <h2>5. Paying for My Spring/Summer Sports Leagues and Gym in Full</h2> <p>I enjoy staying active physically and socially, so I participate in several leagues, including shuffleboard (don't laugh!), bowling, and trivia. While I have some extra padding in my pockets, I'm paying for all those upcoming fees in full, mostly so I don't have to stop by the ATM several times a week. The same goes for gym or fitness class expenses. Pay for those suckers in full for a year, and save big on membership costs.</p> <h2>6. Buying Gifts for Upcoming Events</h2> <p>Wedding and baby shower season is coming, and if you're not careful, these events can really hit you where it hurts &mdash; your wallet! I know I have a few coming up, so I'm buying the gifts in advance. That way I'm not caught off guard in a few months when I've forgotten that I need to buy yet another toaster oven or playpen.</p> <h2>7. Taking Dry Cleaning and Alterations to the Cleaners</h2> <p>All winter long I keep separate clothes hampers in which I put my wool and other dry-clean-only garments along with any items that need alterations or repairs (like missing buttons). Since the cold season is coming to an end, I plan to have it all cleaned/repaired in one fell swoop so I can put everything away in perfect condition so it's ready to go for next year. This prevents me from making unnecessary new clothing purchases by keeping my existing wardrobe in good repair, year after year.</p> <h2>8. Paying Off Upcoming Trip Expenses</h2> <p>I have a spring birthday, and since I'm not a fan of public displays of birthday affection, I try to travel by myself when it rolls around. This year, I'm headed to three previously unvisited Major League Baseball stadiums (my goal is to see a ballgame in all of them by age 40), for which I'll need airfare, lodging, and a rental car. While it's not a super expensive trip, it's not exactly a drop in the bucket either, so my tax refund is a good way to fund this excursion now, so I can relax when it's actually time to depart.</p> <h2>9. Settling Long Overdue Debts</h2> <p>Interestingly, I have a smallish tax bill from 2013 that keeps popping up every now and again, and until recently I didn't know what it was for. I called the IRS and figured it out, so I plan to pay it off with my refund. If you have any bills like this &mdash; perhaps a credit card bill &mdash; you should think about doing the same. Get it out of the way and off your back. You'll instantly feel better.</p> <h2>10. Putting the Rest in Savings</h2> <p>Whatever remains of my refund will go straight to savings. I've wrapped up a lot of items on my to-do list, so if there's any excess cash, I plan to save it for surprise expenses in the future or to continue building my fund for a future investment. You can never go wrong with putting some money away for a rainy day.</p> <p>And of course, it goes without saying that if you don't have a rainy day fund, likely the best thing you can do with your refund money is to put most or all of it toward an emergency fund.</p> <p><em>Are you receiving a refund this year? How do you plan to spend it smartly? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-smart-ways-im-spending-my-tax-refund">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-places-to-get-free-tax-advice">6 Great Places to Get Free Tax Advice</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-disaster-known-as-the-california-state-budget">The Disaster Known as the California State Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-when-your-tax-preparer-makes-a-mistake">What to Do When Your Tax Preparer Makes a Mistake</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/35-bizarre-things-you-can-be-taxed-on">35 Bizarre Things You Can Be Taxed On</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/surprise-5-reasons-you-might-not-get-your-tax-refund">Surprise! 5 Reasons You Might Not Get Your Tax Refund</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Taxes bills extra cash IRS paying debts smart spending tax refund Thu, 10 Mar 2016 10:30:43 +0000 Mikey Rox 1670511 at http://www.wisebread.com Bigger Paycheck or Bigger Tax Refund — Which Should You Pick? http://www.wisebread.com/bigger-paycheck-or-bigger-tax-refund-which-should-you-pick <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/bigger-paycheck-or-bigger-tax-refund-which-should-you-pick" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_money_000044737724_0.jpg" alt="Woman shopping with money from big tax refund" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One of the earliest money lessons that I remember learning from my financial planner father was the correct protocol for tax refunds: The ideal situation is to receive a modest refund of $500 or less. (See also: <a href="http://www.wisebread.com/12-smart-ways-to-turn-500-into-a-better-future?ref=seealso">12 Smart Ways to Spend $500</a>)</p> <p>This advice struck a chord because it made perfect sense. Why give Uncle Sam an interest-free loan every year just to feel the excitement of getting <em>your own money</em> back each spring? I agreed with my father that it's a far better idea to keep the money in your paycheck, invest it throughout the year, and let it work for you.</p> <p>Which prompts the question &mdash; why do nearly <a href="http://money.cnn.com/2015/01/13/pf/taxes/taxpayer-refunds/">80% of taxpayers</a> get a refund each year, at an average size of $2,800?</p> <p>What financial planning advice often overlooks is the importance of psychology in money matters. For individuals like me, who can think of nothing more fun to do on a Saturday night than balance my checkbook, getting a modest refund really is the ideal situation for managing money. But for many taxpayers, getting a big refund can be the best path to good financial decisions.</p> <p>How do you know if you would be better off with a big refund or a modest one? Learn more about the psychological quirks could influence your refund decisions.</p> <h2>The Denomination Effect</h2> <p>The denomination effect is a phenomenon wherein people are less likely to spend big bills compared to small ones. If you have ever held onto a $50 or a $100 bill for several weeks, but don't blink an eye at spending the same amount in tens, fives, and singles, then you have experienced this effect.</p> <p>When it comes to taxes, the denomination effect is why you might not even notice an extra sixty bucks in your weekly paycheck &mdash; but turn that into a $3000 refund check at the end of the year, and suddenly it's a large enough amount of money that you feel the need to do something intelligent with it.</p> <p>If you struggle with keeping track of smaller amounts of money, but feel perfectly comfortable making good decisions with a large check, then it might make sense for you aim for a large refund that you invest. It will be a better use of that three grand than frittering away your extra $60 a week. (See also: <a href="http://www.wisebread.com/50-smart-things-to-do-with-your-tax-refund?ref=seealso">50 Smart Things to Do With Your Tax Refund</a>)</p> <h2>Loss Aversion</h2> <p>This cognitive bias describes people's tendency to strongly prefer avoiding losses over acquiring gains. Loss aversion is a nearly universal behavioral quirk that explains why so many investors hold onto tanking stocks, why would-be exercisers continue sending money each month to a gym they never visit, and why you probably still have a bread machine <a href="http://www.wisebread.com/10-things-in-your-basement-you-should-throw-out-today">collecting dust in your basement</a>. We all hate to feel as though we are losing money on something that we have already paid for.</p> <p>In terms of taxes, the idea of potentially owing the IRS more money come April 15 is off-putting enough to keep many taxpayers from reducing their refunds. Losing money each paycheck to taxes is a given, but the idea of having to write a check to the IRS triggers loss aversion in many taxpayers. They would rather give up the money temporarily throughout the year and overpay Uncle Sam than face the prospect of having to give up &quot;real&quot; money if they get their accounting wrong.</p> <p>If the thought of having to pay more in taxes than you had withheld from your paychecks puts you in a cold sweat, then aiming for a large refund might be the best option for you. Yes, your money could potentially be doing more for you in your pocket, but what good is maximizing your finances if you sweat bullets thinking about tax time?</p> <h2>The Money Illusion</h2> <p>This term was popularized by the famous economist John Maynard Keynes, and it describes our inability to recognize that a dollar amount is only as good as its purchasing power. Keynes used the term to describe the phenomenon of feeling richer when you receive a raise, even though costs have also risen; meaning you are earning the exact same purchasing power you did before the raise.</p> <p>When it comes to taxes, the money illusion means that for some people, having a $3,000 refund check burning a hole in their pocket could lead them to make poor financial choices because of the sheer size of the refund.</p> <p>For instance, if you are feeling flush, you may find yourself spending with impunity in every area of your life, from the expensive chocolate you rarely indulge in, to new shoes that you don't really need. But unless you are keeping careful track of each expenditure (which is the opposite of &quot;spending with impunity&quot;), you will likely reach the end of your big refund amount and keep on spending because you are focused on the dollar amount rather than what it buys. Your <a href="http://www.wisebread.com/mental-accounting-why-you-blow-your-tax-refund-but-not-your-raise">mental accounting</a> of your refund money has trouble keeping up with your actual spending.</p> <p>If you have a tendency to burn through money quickly when you have a big windfall, then it's probably a good idea to aim for a modest tax return &mdash; and set up a direct deposit of the saved money into an investment, retirement, or savings account. That way, you can make the intelligent decisions about your money before you are faced with an amount that will trigger the money illusion.</p> <h2>Don't Discount Your Money Psychology</h2> <p>We tend to think of money as a purely rational issue, but it's foolish to ignore the fact that how you feel about money will influence your financial decisions, for better or worse. In a purely rational world, receiving a large refund check every April does not make any sense. But depending on your personal money makeup, you might find that a large refund is your ideal, or you might find that keeping more of your cash in each paycheck works best for you.</p> <p>The important thing is to be mindful when you make decisions about money, and to take your psychology and your strengths and weaknesses into account. Know yourself, and your finances will thank you.</p> <p><em>Are you getting a big refund? Why or why not?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/bigger-paycheck-or-bigger-tax-refund-which-should-you-pick">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/surprise-5-reasons-you-might-not-get-your-tax-refund">Surprise! 5 Reasons You Might Not Get Your Tax Refund</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/most-popular-ways-americans-spend-their-tax-refunds">Most Popular Ways Americans Spend Their Tax Refunds</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-smart-ways-im-spending-my-tax-refund">10 Smart Ways I&#039;m Spending My Tax Refund</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/simple-tax-strategies-to-maximize-your-tax-refund">Simple Tax Strategies to Maximize Your Tax Refund</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-a-bigger-refund-with-these-often-overlooked-tax-deductions">Get a Bigger Refund With These Often-Overlooked Tax Deductions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes denomination effect loss aversion money psychology spending habits tax refund Tue, 31 Mar 2015 11:00:08 +0000 Emily Guy Birken 1360774 at http://www.wisebread.com Ask the Readers: What Will You Do With Your Tax Refund? http://www.wisebread.com/ask-the-readers-what-will-do-with-your-tax-refund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-will-do-with-your-tax-refund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/tax refund calculator.jpg" alt="tax refund calculator" title="tax refund calculator" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Tax refunds generally aren't that great &mdash; most people don't want to give the government an interest-free loan, after all. But many look forward to getting a check during tax season, which they can spend or save as they please.</p> <p><strong>What will you do with your tax refund?</strong> Do you usually plan where the refund will go ahead of time? Do you take the refund amount into account when you decide what to do with it?</p> <p>Tell us what you'll do with your tax refund and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win!</p> <h3>Mandatory Entry:</h3> <ul> <li>Post your answer in the comments below. One commenter will be randomly selected to win a $20 Amazon Gift Card!</li> </ul> <h3>For Extra Entries:</h3> <ul> <li>You can tweet about our giveaway for an extra entry. Also, our Facebook fans can get an extra entry too! Use our Rafflecopter widget for your chance to win one of the other two Amazon Gift Cards:</li> </ul> <p><a id="rcwidget_ome1hw52" data-template="" data-theme="classic" data-raflid="79857dfa171" rel="nofollow" href="http://www.rafflecopter.com/rafl/display/79857dfa171/" class="rcptr">a Rafflecopter giveaway</a> </p> <script src="//widget-prime.rafflecopter.com/launch.js"></script></p> <p>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, March 9th at 11:59 p.m. Pacific. Winners will be announced after March 9th on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.<br /> &nbsp;</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong>&nbsp;</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us what you&#039;ll do with your tax refund and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-what-will-do-with-your-tax-refund">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-will-you-buy-with-your-tax-refund-win-turbo-tax-prizes">Ask the Readers: What will You Buy with Your Tax Refund? (Win Turbo Tax Prizes!)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-whats-your-healthy-new-years-habit">Ask the Readers: What&#039;s Your Healthy New Year&#039;s Habit?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-whats-your-best-post-holiday-purchase-chance-to-win-10">Ask the Readers: What&#039;s Your Best Post-Holiday Purchase? (Chance to win $10!)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-hope-in-a-new-year-chance-to-win-10">Ask the Readers: Hope in a New Year? (Chance to Win $10)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-share-your-favorite-frugal-holiday-tradition">Ask the Readers: Share Your Favorite Frugal Holiday Tradition</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers tax refund Tue, 03 Mar 2015 16:00:09 +0000 Ashley Jacobs 1316570 at http://www.wisebread.com Get a Bigger Refund With These Often-Overlooked Tax Deductions http://www.wisebread.com/get-a-bigger-refund-with-these-often-overlooked-tax-deductions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-a-bigger-refund-with-these-often-overlooked-tax-deductions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/laptop-175580600.jpg" alt="woman with papers" title="woman with papers" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Everyone knows that there are only two things certain in life: death and taxes. When tax time looms its ugly head, most utter a groan and diligently file their returns. One could argue that the tax code is a confounding minefield purposely written to confuse and frustrate. The following deductions are underused (and perfectly legal) ways to ensure you keep as many of your hard earned dollars as possible. (See also: <a href="http://www.wisebread.com/stupid-tax-return-mistakes-that-will-get-you-audited?ref=seealso">Stupid Tax Return Mistakes</a>)</p> <p>Before deducting to your heart's content, remember to document everything. Keep your receipts and other proof so you don't find yourself in a pickle if the tax man comes knocking on your door. There may be limitations on your ability to claim these deductions. Consult a certified public accountant if you have any questions, concerns, or if you are completely out of your element.</p> <h2>1. Gambling</h2> <p>Who doesn't like a little misappropriation of personal funds? When you find yourself a few too many cocktails deep and sitting at the blackjack table with your inhibitions lowered, it's easy to lose your hard earned cash. Don't worry, Mr. Tax Man feels your pain.</p> <p>Whether you lingered at the roulette table for too long or have a penchant for quick pick lottery tickets, you can ask Uncle Sam to take pity on your wallet and deduct your losses. If it sounds too good to be true, that's because <a href="http://www.irs.gov/uac/Newsroom/Five-Important-Tips-on-Gambling-Income-and-Losses-1">there is a catch</a>. If you're going to claim gambling losses, you must report your winnings as well.</p> <p>As an added twist, you can only claim losses to the extent of your winnings. So if you pay $100 on scratch offs but only recoup $50, you can only claim $50 in losses; the other $50 is the price of playing the game.</p> <h2>2. Student Loan Interest</h2> <p>Those of you who are all too familiar with the crippling debt incurred from pursuing higher education know that the interest rates on student loans can be especially unforgiving. Before you start lamenting the money that hasn't even gone toward paying your premiums, the IRS is here to help ease the pain. (See also: <a href="http://www.wisebread.com/what-recent-grads-must-know-to-repay-federal-student-loans?ref=seealso">What Recent Grads Must Know To Repay Federal Student Loans</a>)</p> <p>Folks who are legally obligated to pay back their student loans can deduct the interest that they have paid in doing so. Even if you are lucky enough to have parents that repay your loans, you can still claim the interest paid since you are the one liable for the debt. The IRS even has a <a href="http://www.irs.gov/uac/Can-I-Claim-a-Deduction-For-Student-Loan-Interest%3F">handy 10 minute quiz</a> you can take to see if you're eligible.</p> <h2>3. Charitable Expenses</h2> <p>Most people are aware that charitable contributions to qualified organizations are deductible on your taxes, but the IRS's definition of &quot;charitable&quot; is somewhat of an ambiguous grey area. While you can't deduct the time you volunteer to charity, you can claim <a href="http://www.mainstreet.com/article/moneyinvesting/taxes/document-your-charitable-deductions-taxpayers?page=3">out-of-pocket expenses</a> you incur on your philanthropic adventures. Did you bake cookies for a school fundraiser? The ingredients are tax deductible. Did you attend a swanky charity ball? You can deduct the mileage it took to get there. (See also: <a href="http://www.wisebread.com/surprising-charitable-tax-deductions?ref=seealso">Surprising Charitable Tax Deductions</a>)</p> <p>There was even a woman who was able to deduct the cost of her babysitter because her work at a local charity made the sitter necessary, although this might be more trouble than it's worth since the IRS took her to court to justify the claim.</p> <h2>4. Gadgets and Technology</h2> <p>In a world where technology is king, keeping up with the latest gadgets can be mighty expensive. So it's a good thing that the government will step in to help offset some of the cost. If you use your phone or computer exclusively for business, you can claim 100% of the cost, including your monthly cell phone bill.</p> <p>If you use you use your smartphone to post pictures of your lunch to Instagram, don't fret. If your tech gizmo of choice acts as both your business and personal device, you can deduct the portion used for business from your taxable income.</p> <p>These tax breaks don't just include new PCs or the latest smartphone. Printers, Internet service, cable TV, and <a href="https://turbotax.intuit.com/tax-tools/tax-tips/Tax-Deductions-and-Credits/Mobile-Phones--Internet-and-Other-Easy-Tax-Deductions/INF17751.html">more can be deducted</a>. Of course, you will be required to keep meticulous records if you are asked to substantiate your claims.</p> <h2>5. Searching for a Job</h2> <p>It makes sense that the IRS would want to help people find work; it's in their best interest to have you earning money so that you can pay the tax man. So it comes as no surprise that Uncle Sam is willing to give a little back when you find yourself neck deep in the dog-eat-dog world of job hunting. (See also: <a href="http://www.wisebread.com/6-tax-deductions-job-hunters-can-t-afford-to-overlook?ref=seealso">Tax Deductions for Job Hunters</a>)</p> <p>You can claim transportation costs such as gas, tolls, and parking; you can even write off printing expenses for resumes and business cards. But before you go too crazy, knot that the government has its share of restrictions. Your job search costs are considered miscellaneous expenses. As such you have to itemize all of your deductions, and they have to be more than 2% of your annual gross income.</p> <p>Of course there are <a href="http://www.marketwatch.com/story/deducting-jobhunting-expenses-1348080899718">other stipulations</a>, so make sure you do your homework.</p> <p><em>Do you know of any law-abiding taxation loopholes? Share your financial wizardry in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ryan-lynch">Ryan Lynch</a> of <a href="http://www.wisebread.com/get-a-bigger-refund-with-these-often-overlooked-tax-deductions">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/101-tax-deductions-for-bloggers-and-freelancers">101 Tax deductions for bloggers and freelancers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-amazing-outrageous-and-just-plain-weird-tax-deductions">20 amazing, outrageous and just plain weird tax deductions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-social-security-just-a-grand-ponzi-scheme">Is Social Security Just A Grand Ponzi Scheme?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-new-grads-guide-to-debt-management">The New Grad&#039;s Guide to Debt Management</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-surprising-ways-real-estate-cuts-your-taxes">10 Surprising Ways Real Estate Cuts Your Taxes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes deductions tax refund taxes Wed, 02 Apr 2014 08:36:11 +0000 Ryan Lynch 1133959 at http://www.wisebread.com 50 Smart Things to Do With Your Tax Refund http://www.wisebread.com/50-smart-things-to-do-with-your-tax-refund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/50-smart-things-to-do-with-your-tax-refund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_finances_000010979469.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you'll be getting a tax refund this year, you can probably think of a million things to do with your check. It's your cash, therefore you're free to do whatever you please. But since you're reading Wise Bread, you probably want to make good use of your refund. (See also: <a href="http://www.wisebread.com/mental-accounting-why-you-blow-your-tax-refund-but-not-your-raise?ref=seealso">Why You Blow Your Tax Refund</a>)</p> <p>Here are 50 smart things to do with your tax refund this year.</p> <h2>1. Start an Emergency Fund</h2> <p>Approximately <a href="http://www.bankrate.com/finance/consumer-index/many-americans-emergency-fund.aspx">28% of Americans don't have an emergency fund</a>. If you fall into this group, take some or most or all of your tax refund and start an emergency savings account.</p> <h2>2. Get Married</h2> <p>It can take years to save up for a wedding. Whether it's your own wedding or your child's wedding, a tax refund can cover some of the expenses.</p> <h2>3. Take a Few Classes</h2> <p>If you're not happy with your job, use your refund check to take additional courses that can help further your career and result in a bigger paycheck.</p> <h2>4. Open an IRA</h2> <p>For a comfortable retirement, don't rely solely on your 401(k) or Social Security. Use the money from your tax refund to <a href="http://www.wisebread.com/choosing-a-retirement-account-whats-available-and-what-s-best-for-you">start an individual retirement account</a>.</p> <h2>5. Make an Extra Mortgage Payment</h2> <p><a href="http://www.nationwide.com/pay-off-mortgage-faster.jsp">One extra principal payment a year</a> can reduce your mortgage loan term by years &mdash; as much as eight years on a 30-year mortgage. Use a portion of your tax refund to make an extra principal payment and eliminate this debt sooner.</p> <h2>6. Pay Off Credit Card Debt</h2> <p>If you're paying a high interest rate, it can take years to pay off your balance. But if you drop a lump sum on your cards after getting your tax refund, you can become debt-free faster.</p> <h2>7. Pay Down Your Car Loan</h2> <p>If you're close to paying off your vehicle loan, use your tax refund to wipe out the balance and free up cash each month. Or use some of your tax money to pay down your balance, which can reduce your auto loan term and eliminate negative equity.</p> <h2>8. Take a Weekend Trip</h2> <p>Everyone deserves a break to recharge and relax their mind and body. Use <em>some</em> of your tax refund to enjoy a few days at a relaxing destination of your choice. (See also: <a href="http://www.wisebread.com/make-your-escape-with-these-14-affordable-weekend-getaways?ref=seealso">Affordable Weekend Getaways</a>)</p> <h2>9. Start Preparing for a Family</h2> <p>If you and your partner are thinking about starting a family in the near future, this money can go towards your future nursery. Deposit the refund into a dedicated savings account, and only use these funds to purchase a crib, a dresser, a changing table, and other baby supplies.</p> <h2>10. Furnish Your Home</h2> <p>Furniture is expensive; and if you've recently moved into your first place or a new place, you might have a few empty rooms. Your tax refund can go toward buying a bedroom set, a living room set, a dining room set, or other furnishings for your home. Many retailers offer discounts around tax time &mdash; take advantage of them.</p> <h2>11. Take Care of Medical Needs</h2> <p>Unfortunately, some people defer medical care because they can't afford the cost of certain appointments or procedures. Put your tax refund money to good use and make <a href="http://www.wisebread.com/the-6-most-important-health-appointments-you-must-stop-avoiding">essential doctor appointments to protect your health</a>.</p> <h2>12. Save for Gifts</h2> <p>Set aside a percentage of your tax refund and prepare early for the holiday shopping season.</p> <h2>13. Buy New Windows</h2> <p>If your old, drafty windows drive up your home's heating and air conditioning costs, use your cash to buy quality ones, which ultimately reduces your energy bills.</p> <h2>14. Save for a Down Payment</h2> <p>A down payment and closing costs are two of the biggest obstacles to homeownership. If you receive a sizable tax refund each year, save this money, and you might have enough to purchase a place after a few years.</p> <h2>15. Donate It</h2> <p>Maybe you already have everything you want and need. Give back to your community or an organization and <a href="http://www.wisebread.com/5-ways-giving-to-charity-is-good-for-you">enjoy the happiness of giving</a>.</p> <h2>16. Save Up to Pay Cash for a Car</h2> <p>If you're hoping to pay cash for your car, save your tax refund for a few years and avoid a car payment.</p> <h2>17. Get a Will Written</h2> <p>Some people put off estate planning because of the cost. However, untimely deaths are a reality; and the sooner you prepare, the better.</p> <h2>18. Buy Life Insurance</h2> <p>If you have a family, a spouse, and debts, you can't afford to go without life insurance. Plus, the death benefit can cover the cost of your burial and funeral.</p> <h2>19. Boost Your Home's Value</h2> <p>Put the cash toward updating your kitchen or bathroom, or installing new flooring. These <a href="http://www.wisebread.com/recoup-more-of-your-investment-8-home-improvements-that-add-the-most-value">increase your home's value</a>, helping boost your profit when you're ready to sell.</p> <h2>20. Start a Business</h2> <p>The money from your tax refund can provide startup capital to get a new venture off the ground. Use the money to purchase supplies, advertise, create a website, and purchase business cards. (See also: <a href="http://www.wisebread.com/starting-your-dream-business-is-easier-than-you-think-heres-how?ref=seealso">How to Start Your Dream Business</a>)</p> <h2>21. Build Your Emergency Food Supply</h2> <p>Increase your supply of canned and other non-perishable foods. A stockpile comes in handy if you experience financial hardship and can't afford to grocery shop, or if you need to reduce your food budget.</p> <h2>22. Buy an Engagement Ring</h2> <p>If you've held off proposing because you didn't have cash to buy a ring, now is your opportunity to pop the question and move forward with your life.</p> <h2>23. Purchase New Appliances</h2> <p>Does your dishwasher, stove, refrigerator, or washing machine give you problems? Home appliances aren't cheap, but a tax refund can provide the funds you need to upgrade to a newer model. Tax time discounts will shave the cost and the energy efficiency of this year's models will show up in lower energy bills.</p> <h2>24. Maintain Your Car</h2> <p>Getting a car repaired is certainly cheaper than buying a new car. Your tax refund can go toward large automobile expenses, such as a new engine, transmission, and other costly repairs.</p> <h2>25. Update Your Wardrobe</h2> <p>If you have a closet full of clothes that are in good condition, it doesn't make sense to blow your tax refund on new attire. But if your clothes are old and worn, and you desperately need a few new pieces, use your tax refund to get the items you need.</p> <h2>26. Explore a Hobby</h2> <p>Do you wish to learn an instrument or perhaps take up a hobby, such as drawing or dancing? Your tax refund can pay for lessons. (See also: <a href="http://www.wisebread.com/10-awesome-money-making-hobbies?ref=seealso">Awesome Money-Making Hobbies</a>)</p> <h2>27. Refinance Your House</h2> <p>A mortgage refinancing can lower your interest rate and monthly payment, but it also involves closing costs and fees. Use your tax refund to pay these mortgage-related fees.</p> <h2>28. Prepay Your Summer Vacation</h2> <p>Get a jump start planning your summer or dream vacation. The earlier you book airfare, hotels, and ground transportation, the more you can save.</p> <h2>29. Help Your Family</h2> <p>If a relative needs financial assistance, give or lend some of your refund.</p> <h2>30. Buy a Safe for Your Home</h2> <p>Filing important papers in a cabinet or drawer is risky, as they can be stolen or damaged in a fire. Purchase a fire and waterproof safe for your home and protect your documents.</p> <h2>31. Pay Off a 401(k) Loan</h2> <p>Funds in your 401(k) can come in handy if you buy a house or experience economic hardship. Since you have to repay a 401(k) loan, use cash from your tax refund to replenish your retirement account sooner.</p> <h2>32. Help Your Kids Start Saving</h2> <p>Get your children into the habit of saving money at an early age. Open a savings account or a certificate of deposit for your child. (See also: <a href="http://www.wisebread.com/how-to-raise-your-kids-to-be-financially-independent?ref=seealso">How to Raise Financially Independent Kids</a>)</p> <h2>33. Visit a Family Member</h2> <p>Not everyone can live within close vicinity of their relatives. If your family lives in another part of the world or country, your tax refund can allow for more frequent visits.</p> <h2>34. Hire a Financial Planner</h2> <p>If you don't know much about personal finance, working with a financial planner can get your money on track. These professionals can assist with various aspects of financing planning, from retirement planning to investment planning.</p> <h2>35. Throw a Surprise Party</h2> <p>Do something special for someone you love. For example, give your grandparents or parents a 50th wedding anniversary party, or throw your child a graduation party.</p> <h2>36. Save for Daycare Expenses</h2> <p>Once you receive your tax refund, deposit this money into a special account and only use it to pay your child's daycare expense over the next year.</p> <h2>37. Improve Your Health Insurance Coverage</h2> <p>If you don't have the best health insurance plan, use your tax refund to acquire better health insurance &mdash; perhaps a plan with a lower deductible and copay, or more coverage.</p> <h2>38. Go to a Spa</h2> <p>There is nothing wrong with having a little fun with your tax refund. Spend the day at a spa getting a relaxing massage, manicure, or pedicure.</p> <h2>39. Buy a Bike</h2> <p>If you're looking to add more activity to your life, and possibly reduce your transportation costs, buy a bike.</p> <h2>40. Make Your Home More Energy-Efficient</h2> <p>An energy-efficient home translates into big savings down the road. Your tax refund can go toward the purchase of solar panels, a new roof, a programmable thermostat, and LED light bulbs. (See also: <a href="http://www.wisebread.com/the-5-best-energy-efficient-light-bulbs?ref=seealso">Best Energy-Efficient Light Bulbs</a>)</p> <h2>41. Prepare for an Emergency</h2> <p>If you live in an area prone to hurricanes, earthquakes, and other natural disasters, the money you receive from the government can go towards a disaster kit. Purchase a generator for your house, and other supplies like a hand crank radio, a first aid kit, emergency blankets, extra chargers, multi-purpose tools, and flashlights. (See also: <a href="http://www.wisebread.com/6-items-you-might-have-forgot-in-your-emergency-kit?ref=seealso">Items You Might've Forgotten in Your Emergency Kit</a>)</p> <h2>42. Hire a Personal Assistant</h2> <p>Between work, family, and life, there isn't always enough time in the day. If you're running on empty and you need help throughout the day, use your tax refund to hire a personal assistant.</p> <h2>43. Upgrade Your Cellphone</h2> <p>An unreliable cellphone won't help you in an emergency, and it doesn't project a professional image if you run a business. Upgrade to a phone with features you need, such as calendars, email, etc.</p> <h2>44. Pay Other Taxes</h2> <p>If you receive a federal tax refund, use this money to pay any state taxes you might owe, or personal property taxes.</p> <h2>45. Prepay a Gym Membership</h2> <p>The initial cost of joining a gym isn't always cheap. Not only is there the monthly fee, there's a startup fee or down payment. Get a membership with part of your tax refund and start a healthy routine. Use a bigger part of your refund to pay for an entire year &mdash; and ask for a prepay discount.</p> <h2>46. Rent an Apartment</h2> <p>Are you ready to move out on your own? Use your tax refund to pay a security deposit.</p> <h2>47. Get Organized</h2> <p>If clutter dominates your home or office, work with a personal organizer to get your life in order.</p> <h2>48. Enjoy an Elegant Evening Out</h2> <p>Some people never have the opportunity to enjoy a night out on the town. Grab your significant other or a best friend, and treat yourself to fine dining and maybe a bottle of champagne.</p> <h2>49. Save for Your Kid's College Education</h2> <p>Whether your kids are young or teenagers, it's never too early or too late to start saving for their college education. Depending on how much you receive from the government, one refund check might pay for a semester of school.</p> <h2>50. Start a Garden</h2> <p>Organic fruits and vegetables purchased at the grocery store can break your budget. <a href="http://www.wisebread.com/get-a-great-container-garden-started-with-this-guide">Start a garden</a> in your backyard and eat healthier for less.</p> <p><em>What smart things do you plan to do with your income tax refund? Please share in comments.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/50-smart-things-to-do-with-your-tax-refund">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/aig-employees-why-you-should-donate-your-bonuses-instead-of-returning-it">AIG employees - Why you should donate your bonuses instead of returning it</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-and-worst-places-to-stash-cash-in-your-home">The Best and Worst Places to Stash Cash in Your Home</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-social-security-just-a-grand-ponzi-scheme">Is Social Security Just A Grand Ponzi Scheme?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-protect-yourself-financially-during-a-divorce-or-separation">How to Protect Yourself Financially During a Divorce or Separation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance General Tips tax refund taxes Thu, 27 Mar 2014 10:36:25 +0000 Mikey Rox 1132791 at http://www.wisebread.com Best Money Tips: Useful Things to Do With Your Tax Refund http://www.wisebread.com/best-money-tips-useful-things-to-do-with-your-tax-refund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-useful-things-to-do-with-your-tax-refund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cash-469820629.jpg" alt="coins" title="coins" class="imagecache imagecache-250w" width="250" height="156" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on useful things to do with your tax refund money, when renting makes more sense than buying, and reasons to use a cash-only spending plan.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.thesimpledollar.com/ten-useful-things-to-do-with-your-tax-return-money/">Ten Useful Things To Do With Your Tax Return Money</a> &mdash; Fixing up your home and bolstering your emergency fund are just a couple good ways to use your tax refund money. [The Simple Dollar]</p> <p><a href="http://cashmoneylife.com/when-is-renting-better-than-buying/">Five Situations Where Renting Makes More Sense Than Owning a Home</a> &mdash; It makes more sense to rent when owning would leave you broke. [Cash Money Life]</p> <p><a href="http://www.stretcher.com/stories/07/07mar19b.cfm?slider">10 Reasons to Use a Cash-Only Spending Plan</a> &mdash; Using a cash-only spending plan helps you better learn the value of a dollar. [TheDollarStretcher.com]</p> <p><a href="http://ptmoney.com/travel-hacker-vacation-dollar-goes-furthest/">Not a Travel Hacker? Vacation Where and When Your Dollar Goes Furthest</a> &mdash; Save money when traveling by opting to stay away from touristy things and be more like a local. [PT Money]</p> <p><a href="http://www.carefulcents.com/make-room-for-your-side-business/">3 Ways to Harmoniously Blend Your Side Business Alongside Your Full-Time Job</a> &mdash; Negotiating with your boss for office freedom can help you blend your side business and full-time job. [Careful Cents]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/How-Feel-Like-Child-Again-24186170">16 Ways to Feel Like a Kid Again</a> &mdash; To feel like a kid again, make a mix CD or make s'mores. [PopSugar Smart Living]</p> <p><a href="http://livingonthecheap.com/want-summer-camp-deals-start-looking-now/">Want summer camp deals? Start looking now</a> &mdash; It is important to consider the type of camp experience you want for your child as well as what you can afford. [Living on the Cheap]</p> <p><a href="http://moneyning.com/investing/2-behavioral-biases-that-are-making-you-lose-money/">2 Behavioral Biases That Are Making You Lose Money</a> &mdash; Familiarity may be negatively affecting your portfolio and causing you to lose money. [MoneyNing]</p> <p><a href="http://parentingsquad.com/perfect-preschool-flower-crafts-to-brighten-up-your-home-this-spring">Perfect Preschool Flower Crafts to Brighten Up Your Home This Spring</a> &mdash; Consider making a flower bouquet canvas with your kids to brighten up your home. [Parenting Squad]</p> <p><a href="http://www.americandebtproject.com/2014/03/create-your-own-personalized-privacy-policy/">Create Your Own Personalized Privacy Policy</a> &mdash; Create your own personalized privacy policy can help protect yourself and your business. [American Debt Project]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-useful-things-to-do-with-your-tax-refund">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-a-bigger-refund-with-these-often-overlooked-tax-deductions">Get a Bigger Refund With These Often-Overlooked Tax Deductions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-social-security-just-a-grand-ponzi-scheme">Is Social Security Just A Grand Ponzi Scheme?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/101-tax-deductions-for-bloggers-and-freelancers">101 Tax deductions for bloggers and freelancers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/surprise-5-reasons-you-might-not-get-your-tax-refund">Surprise! 5 Reasons You Might Not Get Your Tax Refund</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-amazing-outrageous-and-just-plain-weird-tax-deductions">20 amazing, outrageous and just plain weird tax deductions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes best money tips tax refund taxes Tue, 25 Mar 2014 10:00:18 +0000 Ashley Jacobs 1132789 at http://www.wisebread.com Best Money Tips: Responsible Uses for Your Tax Refund http://www.wisebread.com/best-money-tips-responsible-uses-for-your-tax-refund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-responsible-uses-for-your-tax-refund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/money-2675414-small.jpg" alt="money" title="money" class="imagecache imagecache-250w" width="250" height="174" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on responsible uses for your tax refund, saving money when checking out online, and principles of success.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.consumerismcommentary.com/5-responsible-uses-for-your-tax-refund/">5 Responsible Uses for Your Tax Refund</a> &mdash; Investing for retirement is a responsible use for your tax refund. [Consumerism Commentary]</p> <p><a href="http://moneysmartlife.com/save-money-online-checkout/">How to Save Money Checking Out Online</a> &mdash; To save money when checking out online, use promo codes and coupons. [Money Smart Life]</p> <p><a href="http://youngadultfinances.com/9-principles-of-success/">9 Principles of Success</a> &mdash; If you want to be successful, free yourself from your addictions and get rid of backstabbers. [Young Adult Finances]</p> <p><a href="http://www.budgetinginthefunstuff.com/you-can-make-extra-cash-online-to-put-towards-fun/">You Can Make Extra Cash Online to Put Towards Fun</a> &mdash; Increase your fun budget by using GigWalk or Field Agent on your smartphone. [Budgeting In the Fun Stuff]</p> <p><a href="http://www.freemoneyfinance.com/2013/04/how-to-hire-a-contractor.html">How to Hire a Contractor</a> &mdash; When you hire a contractor, make sure you know what is and isn't included in their bid. [Free Money Finance]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.moolanomy.com/6532/7-best-money-tips-from-warren-buffett/">7 Best Money Tips from Warren Buffett</a> &mdash; According to Warren Buffett, &quot;the more you learn, the more you'll earn.&quot; [Moolanomy]</p> <p><a href="http://lenpenzo.com/blog/id1305-teach-your-kids-how-to-be-personal-finance-losers-in-6-easy-steps.html">How to Raise your Kids to Be Personal Finance Losers (in 6 Easy Steps)</a> &mdash; Giving your children everything they want will not teach them money values you want them to learn. [Len Penzo]</p> <p><a href="http://barbarafriedbergpersonalfinance.com/jumpstart-savings-or-debt-repayment-spending-detox/">Jumpstart Savings Or Debt Repayment With A Spending Detox</a> &mdash; If you want to have a successful spending detox, you have to creative when it comes to figuring out how to avoid running to the store for your needs. [Barbara Friedberg Personal Finance]</p> <p><a href="http://www.savvysugar.com/Upcycling-Denim-Ideas-29409540">18 Ideas For Upcycling Denim</a> &mdash; Use your demin to make a purse or earrings. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/taking-your-child-s-emotions-to-heart">Taking Your Child's Emotions to Heart</a> &mdash; To change your child's emotions you have to identify what is causing the emotion. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-responsible-uses-for-your-tax-refund">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-billion-tax-refund-for-long-distance-phone">$10 billion tax refund for long distance phone</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-a-bigger-refund-with-these-often-overlooked-tax-deductions">Get a Bigger Refund With These Often-Overlooked Tax Deductions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ring-ring-ka-ching-lying-about-your-telephone-tax">Ring. Ring. Ka-ching! Lying About Your Telephone Tax</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-social-security-just-a-grand-ponzi-scheme">Is Social Security Just A Grand Ponzi Scheme?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/101-tax-deductions-for-bloggers-and-freelancers">101 Tax deductions for bloggers and freelancers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes best money tips refund tax refund taxes Wed, 17 Apr 2013 10:00:31 +0000 Ashley Jacobs 973514 at http://www.wisebread.com Best Money Tips: Five Ways to Use Your Tax Refund http://www.wisebread.com/best-money-tips-five-ways-to-use-your-tax-refund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-five-ways-to-use-your-tax-refund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000016326117Small-1.jpg" alt="Five Ways to Use Your Tax Refund" title="Five Ways to Use Your Tax Refund" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on five ways to use your tax refund, moving made eas, and teaching high school kids how to manage money.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.freemoneywisdom.com/top-five-ways-to-use-your-tax-return/">Top Five Ways to Use your Tax Return</a> &mdash; Use your tax return to start a college fund for your kids. [Free Money Wisdom]</p> <p><a href="http://genxfinance.com/moving-made-easy-how-to-save-money-time-and-reduce-stress-while-moving/">Moving Made Easy - How to Save Money, Time, and Reduce Stress While Moving</a> &mdash; Two weeks before you move, remember to file change of address forms. [Generation X Finance]</p> <p><a href="http://parentingsquad.com/teaching-high-school-kids-how-to-manage-money">Teaching High School Kids How to Manage Money</a> &mdash; Did you know only nine states have programs in place to assess financial literacy? [Parenting Squad]</p> <p><a href="http://www.goodfinancialcents.com/new-job-career-search-avoid-these-mistakes/">5 Ways You Are Screwing Up Your New Job Search and How to Fix It</a> &mdash; You may be screwing up your new job search if you are not considering the employer's wants and needs. [Good Financial Cents]</p> <p><a href="http://www.howtosavemoney.com/how-to-save-money-while-keeping-fit/">How to save money while Keeping Fit</a> &mdash; To save money while keeping fit, find fitness deals online. [HowToSaveMoney.com]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/Mistakes-When-Negotiating-Salary-22705662">8 Things Not To Do When You're Asking For A Raise</a> &mdash; Don't make things personal when you ask for a raise. [SavvySugar]</p> <p><a href="http://www.thewisdomjournal.com/Blog/money-lessons-for-children/">The Three MOST Valuable Money Lessons We Can Teach Our Children</a> &mdash; Make sure your kids understand that money and time are interchangeable. [The Wisdom Journal]</p> <p><a href="http://www.mydollarplan.com/how-to-host-out-of-town-guests/">How to Host Out-of-Town Guests Without Breaking the Bank</a> &mdash; Avoid breaking the bank when hosting out-of-town guests by considering purchasing coupons. [My Dollar Plan]</p> <p><a href="http://simpledebtfreefinance.com/3-ways-to-negotiate-credit-card-debt-yourself/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+SimpleDebtFreeFinance+%28Simple+Debt+Free+Finance%29">3 Ways To Negotiate Credit Card Debt Yourself.</a> &mdash; When negotiating credit card debt yourself, look into a forbearance program. [Simple Debt-Free Finance]</p> <p><a href="http://www.americanconsumernews.com/2012/04/yes-you-can-save-on-organic-products.html">Yes You Can Save on Organic Products</a> &mdash; Save on organic products at the grocery store by taking advantage of flyers and coupons. [American Consumer News]</p> <h2>News &amp; Events</h2> <p><a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news/2012/04/wise-bread-tweetchat-wbchat-1">Wise Bread Tweetchat (#WBChat)</a> &mdash; Don't miss our weekly #WBChat at 12pm PST! We will be giving away prizes!</p> <p>Be sure to check out our <a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news">News &amp; Events Calendar</a> to see all the awesome upcoming events in the personal finance world!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-five-ways-to-use-your-tax-refund">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-a-bigger-refund-with-these-often-overlooked-tax-deductions">Get a Bigger Refund With These Often-Overlooked Tax Deductions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-social-security-just-a-grand-ponzi-scheme">Is Social Security Just A Grand Ponzi Scheme?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/101-tax-deductions-for-bloggers-and-freelancers">101 Tax deductions for bloggers and freelancers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/surprise-5-reasons-you-might-not-get-your-tax-refund">Surprise! 5 Reasons You Might Not Get Your Tax Refund</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-amazing-outrageous-and-just-plain-weird-tax-deductions">20 amazing, outrageous and just plain weird tax deductions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes best money tips tax refund taxes Thu, 19 Apr 2012 10:00:19 +0000 Ashley Jacobs 921891 at http://www.wisebread.com Surprise! 5 Reasons You Might Not Get Your Tax Refund http://www.wisebread.com/surprise-5-reasons-you-might-not-get-your-tax-refund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/surprise-5-reasons-you-might-not-get-your-tax-refund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2544106090_0e76dfbda1_z.jpg" alt="man looking into mailbox" title="man looking into mailbox" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>The one big upside to filing your tax return that everybody can agree on is getting money back from the government. How good does it feel to see that <em>positive</em> amount on the bottom of your return? For some families their refund goes right into that college savings account, to pay off their credit card, to take that long-awaited vacation, or simply to make ends meet in these tougher economic times. (See also: <a href="http://www.wisebread.com/8-smart-things-to-do-with-your-tax-refund">8 Smart Things to Do Wity Your Tax Refund</a>)</p> <p>But did you know, every year, there are tens of millions of dollars the IRS <em>won't</em> be refunding taxpayers &mdash; even if they might be expecting that nice chunk of change this spring?</p> <p>Before you count on the check from Uncle Sam (and work the expected boost into your household budget), make sure you don't fall into one of these categories...or the IRS might be holding onto your refund or giving it to someone else after all.</p> <h3>1. There are errors on your return</h3> <p>Every spring, people make the same, relatively straightforward mistakes on their tax returns that prevent the IRS from processing their refund on time. Common errors include: putting down the wrong filing status, an incorrect social security number, or missing information that's required for certain credits and <a href="http://www.wisebread.com/3-tax-deductions-you-can-never-take">deductions</a>.</p> <p>Advice for all filers &mdash; double and triple check your return before you mail or submit it, paying particular attention to anywhere you have to fill in names, numbers or addresses. Try to give yourself as much time as possible. Doing your return at 2 a.m. the day it's due doesn't leave you much room to catch any mistakes.</p> <p>If you're preparing your own return, without the help of a tax professional, be careful that you've done your math correctly and you actually <em>are</em> due money back. Too often, I see people who run out and spend a phantom refund, only to have the rug ripped out from under them when they find out their calculations were off, and they really <em>shouldn't</em> be getting anything from the government this year.</p> <p>Better safe than sorry. Don't spend your tax refund until you can either physically hold the check in your hand or see the amount in your bank account.</p> <h3>2. You owe back taxes</h3> <p>Nobody likes to hear this one, but the IRS is like the friend who holds a grudge for a long time and never lets go. If you owe federal or state taxes from previous years, the government can just yank the amount you're expecting back this year and apply it as an &quot;overpayment&quot; towards the taxes you haven't paid yet. And it's bye-bye refunds until the entire debt is gone.</p> <h3>3. You haven't paid child support</h3> <p>While it might take a little while for the right federal and state agencies to catch up with the problem, the government can place a levy on your tax refund to pay any outstanding child support you owe &mdash; even after your kid is 18 (and no additional support is legally due).</p> <h3>4. You defaulted on your student loans</h3> <p>Recent data has shown that people are defaulting on their <a href="http://www.wisebread.com/escape-student-loan-debt-slowly">student loans</a> in record numbers. And with the job market the way it is, it's no surprise more and more students are having trouble keeping up with their payments after school.</p> <p>Be aware &mdash; the IRS can (and does) turn your refund over to the Department of Education to pay down loans you've defaulted on. The agencies do &quot;talk&quot; to one another, and while it may not happen right away, chances are they will catch up with you.</p> <h3>5. They just can't find you</h3> <p>By the same token, hard as it may be to believe in the world of Facebook, Google Maps, and Twitter, the IRS is holding onto $153 million dollars right now in refunds it just can't seem to deliver.</p> <p>Why? Because they have an incorrect mailing address for you, and can't locate your residence to mail you a check. And currently, the IRS won't try to contact taxpayers by email or phone, so you might have no idea that they're holding on to your money in the first place.</p> <p>Best thing to do? Always choose to have your refund deposited directly into your bank account if you can (and triple check those numbers to make sure they're right!), especially if you know you're moving soon. Also, if you suspect you fall into this category, check in with the IRS on their website or call their hotline to make sure there aren't any old refunds lurking around out there that you deserve.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <div align="center"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fsurprise-5-reasons-you-might-not-get-your-tax-refund&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FSurprise!%205%20Reasons%20You%20Might%20Not%20Get%20Your%20Tax%20Refund.jpg&amp;description=Surprise!%205%20Reasons%20You%20Might%20Not%20Get%20Your%20Tax%20Refund" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Surprise%21%205%20Reasons%20You%20Might%20Not%20Get%20Your%20Tax%20Refund.jpg" alt="Surprise! 5 Reasons You Might Not Get Your Tax Refund" width="250" height="374" /></p> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p><em>Jacoba Urist is a tax and estate attorney from New York. She is a regular contributor to The Huffington Post and is writing a book &quot;The Happiest Parent&quot; about preparing the best possible future for every child. Follow her on Twitter at </em><a href="https://twitter.com/#%21/TheHappiestPare"><em>@TheHappiestPare</em></a><em>.</em></p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jacoba-urist">Jacoba Urist</a> of <a href="http://www.wisebread.com/surprise-5-reasons-you-might-not-get-your-tax-refund">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-easy-steps-to-keeping-track-of-expenses-for-the-self-employed">Five Easy Steps to Keeping Track of Expenses for the Self-Employed</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-big-business-accounting-tools-every-side-gig-needs">4 Big Business Accounting Tools Every Side Gig Needs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-if-i-skip-my-taxes-this-year">What If I Skip My Taxes This Year?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-tax-deductions-you-can-never-take">3 Tax Deductions You Can Never Take</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-reasons-you-should-file-your-taxes-as-soon-as-possible">8 Reasons You Should File Your Taxes as Soon as Possible</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes accounting filing taxes tax deduction tax refund tax return Thu, 16 Feb 2012 11:36:30 +0000 Jacoba Urist 898351 at http://www.wisebread.com Ask the Readers: What will You Buy with Your Tax Refund? (Win Turbo Tax Prizes!) http://www.wisebread.com/ask-the-readers-what-will-you-buy-with-your-tax-refund-win-turbo-tax-prizes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-will-you-buy-with-your-tax-refund-win-turbo-tax-prizes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/turbo tax.png" alt="" title="" class="imagecache imagecache-250w" width="136" height="155" /></a> </div> </div> </div> <p>We've already asked <a href="http://www.wisebread.com/ask-the-readers-do-you-look-forward-to-tax-time-your-chance-to-win-20">whether you look forward to tax time</a>, and people are just now starting to see their refunds (or bills) filtering through their home offices. We want to know what you plan on doing with that refund -- if you get one. OR what you believe people should be doing with their refunds. (Now's your time to preach!)</p> <ul> <li>Do you use it for something special, like a big screen TV or computer?</li> <li>Do you save it for a long-term investment?</li> <li>Are you likely to use every penny for bills (like that enormous heating charge you received last month?)</li> <li>Do you work really hard to make sure you don't even get a refund back -- you use it throughout the year for groceries and gas?</li> </ul> <p>Give us your tax purchasing tips, behaviors, or observations. We want to know what you'll be doing once that refund check hits your mailbox (or checking account). In return for sharing your heart on the matter, you'll be entered to win one of two gifts from <a href="http://blog.turbotax.intuit.com/">Turbo Tax</a> -- good for Tax preparation and filing.</p> <p>See more about Turbo Tax and their tips for getting the most on your return <a href="http://blog.turbotax.intuit.com/">at their blog</a>!</p> <h2>Win a Tax Filing prize from <a href="http://blog.turbotax.intuit.com/">Turbo Tax</a>!</h2> <p>We're doing two giveaways &mdash; one for random comments, and another one for a random <a href="http://www.twitter.com/">tweets</a>.</p> <h2>How to Enter:</h2> <ol> <li>Post your answer in the comments below, or</li> <li><a href="http://www.twitter.com/">Tweet</a> your answer. Include both &quot;<a title=" @wisebread #moneytippers" href="http://twitter.com/wisebread">@wisebread</a>&quot; and &quot;#WBAsk&quot; in your tweet so we'll see it and count it.</li> </ol> <p>If you're inspired to write a whole blog post, please link to it in the comments or tweet it.</p> <p>At the end of the drawing, we'll update this post to include (and link to) all of your helpful responses.</p> <h2>Giveaway Rules:</h2> <ul> <li>Contest ends Friday, February 26th at 11:59 am CST. Winners will be announced after February 26th on the original post and via Twitter. Winners will also be contacted via email and Twitter Direct Message.</li> <li>You can enter both drawings &mdash; once by leaving a comment and once by tweeting.</li> <li>Only tweets that contain both &quot;@wisebread&quot; and &quot;#WBAsk&quot; will be entered. (Otherwise, we won't see it.)</li> </ul> <p><strong>Good luck! </strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/ask-the-readers-what-will-you-buy-with-your-tax-refund-win-turbo-tax-prizes">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-whats-your-healthy-new-years-habit">Ask the Readers: What&#039;s Your Healthy New Year&#039;s Habit?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-whats-your-best-post-holiday-purchase-chance-to-win-10">Ask the Readers: What&#039;s Your Best Post-Holiday Purchase? (Chance to win $10!)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-hope-in-a-new-year-chance-to-win-10">Ask the Readers: Hope in a New Year? (Chance to Win $10)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-share-your-favorite-frugal-holiday-tradition">Ask the Readers: Share Your Favorite Frugal Holiday Tradition</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-is-your-new-years-resolution">Ask the Readers: What Is Your New Year&#039;s Resolution?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers tax refund turbo tax Tue, 23 Feb 2010 18:19:46 +0000 Linsey Knerl 5452 at http://www.wisebread.com Simple Tax Strategies to Maximize Your Tax Refund http://www.wisebread.com/simple-tax-strategies-to-maximize-your-tax-refund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/simple-tax-strategies-to-maximize-your-tax-refund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/tax-refund.jpg" alt="tax refund" title="tax refund" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>We&rsquo;re nearing the thick of tax time, and I&rsquo;m sure the first thing on your mind (I know it&rsquo;s on mine) is &ldquo;how much money am I getting back?&rdquo; and &ldquo;what am I going to use the money for?&rdquo; If you&rsquo;re part of the W-2 crowd and have your taxes withheld throughout the year, you could be getting some money back. If you&rsquo;re self employed on the side, then you could be in even better shape if you've got expenses and <a href="http://www.wisebread.com/101-tax-deductions-for-bloggers-and-freelancers">tax deductions</a> that you can take advantage of.</p> <p>So how can we maximize the tax refund we receive? Can we leverage some of our skills and our assets in order to bring down our tax obligations? Here are a few ideas.</p> <h3>1. Look into self employment options.</h3> <p>If you're self-employed, you can utilize the many itemizations that exist for those in your situation. For instance, even by just taking on one or two freelancing projects during the year, you can already qualify as self-employed, which will allow you to take certain deductions, such as expensing the mileage on the car that you use to do your freelance work. You can also expense meals that you share with clients. Save those receipts and take them to your CPA or tax representative when you are ready to file. You&rsquo;d be surprised at the expenses that you can write off once you declare self-employed income.</p> <h3>2. Check out real estate tax strategies.</h3> <p>If you own real estate, you can qualify for many tax deductions, including those that you can claim due to paying property taxes throughout the year. If you own a home, you also claim a deduction on your mortgage interest. If you have rental properties, you have to report your rental income, but if you've incurred expenses from repairs and troublesome tenants, those can be itemized and deducted as well. Alternatively, if you rent your apartment or house, your rental payments can be used to offset your taxes as long as you file as Head of Household.</p> <h3>3. Don't forget charitable activities.</h3> <p>You may be eligible for many personal tax write offs, especially if you&rsquo;re prone to philanthropy. In particular, donating goods to organizations like the Salvation Army, Goodwill and even your local church can yield decent deductions. Make sure you <a href="http://www.wisebread.com/charitable-giving-get-a-receipt">keep your receipts</a> and any forms relating to your donations: if they amount to $250 or more, these will require documentation by the IRS. Keep accurate records of the checks that you write. If you donate cash, something in writing from the charitable beneficiary will be required and you can only claim up to 50% of your adjusted gross income. Be aware that you may not be able to deduct your charitable gift to certain organizations (e.g. political parties and random individuals).</p> <h3>Who Does Your Taxes?</h3> <p>So once we wade through all of this information, we come to how we file our taxes. Do we do it ourselves or do we hire a professional? This of course is a very subjective matter and can really depend on a few things. Some factors that can affect your decision on how you should file include your familiarity with the tax code, how complicated it is to file your taxes, and whether you've got the motivation to do this yourself.</p> <p>There's a lot of software and online options out there that steer you through the tax filing procedures, but do what&rsquo;s comfortable for you. For those wanting to try filing themselves, this TurboTax review or this coverage of H&amp;R Block tax services may be helpful.</p> <p>If you'd rather go with a professional, then ask around for well qualified CPAs or enrolled agents who may quote you a good rate. There are many tax professionals out there and finding a reputable one shouldn't be too challenging. But before you commit to a new service, check them out through the Better Business Bureau to make sure that the service is indeed reputable.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/silicon-valley-blogger">Silicon Valley Blogger</a> of <a href="http://www.wisebread.com/simple-tax-strategies-to-maximize-your-tax-refund">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/surprise-5-reasons-you-might-not-get-your-tax-refund">Surprise! 5 Reasons You Might Not Get Your Tax Refund</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-smart-ways-im-spending-my-tax-refund">10 Smart Ways I&#039;m Spending My Tax Refund</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/bigger-paycheck-or-bigger-tax-refund-which-should-you-pick">Bigger Paycheck or Bigger Tax Refund — Which Should You Pick?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-quiet-millionaire-part-6-are-you-paying-too-much-tax">The Quiet Millionaire: Part 6 - Are You Paying Too Much Tax?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-a-bigger-refund-with-these-often-overlooked-tax-deductions">Get a Bigger Refund With These Often-Overlooked Tax Deductions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes tax refund tax strategies Thu, 21 Jan 2010 14:00:03 +0000 Silicon Valley Blogger 4706 at http://www.wisebread.com