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Hey Hey!  Its just about time to file your taxes and hopefully get a refund!  The IRS will be accepting returns as of Wednesday, January 30th per their website!
I LOVE Turbo Tax, it is so easy to use and they offer free tips and suggestions to help you get the biggest refund that you are entitled to.  If you end up paying, at least you will know that you took every deduction that you were supposed to by using their easy to follow instructions. CLICK BELOW to check it out and see how much you might be getting back!  This is great since you can do your taxes and e-file for FREE!  You can get started right away and file in a flash! I don’t have little ones at home anymore so I don’t get a refund, but I know many of you look forward to this extra boost of cash once per year so why not file for free!! If you’re like the majority of taxpayers, you’ll likely get a refund this spring, and chances are it will be a nice chunk of change. And if your refund was substantial, consider giving yourself an immediate raise throughout 2016 by adjusting your tax withholding to increase your take-home pay.
The smarter way to spend your tax refund: Before you take on more debt, pay off the debt you already have.
You’ve wanted a Prada tote and some Jimmy Choo flip-flops, and now you can finally afford them with your $3,000 refund. The smarter way to spend your tax refund: Rather than head to the mall with your refund, go to the bank to open an interest-bearing savings account to start an emergency fund—or build upon an emergency fund you already have.
The smarter way to spend your tax refund: Rather than gamble away your money, put it to work for you in a retirement account.
The smarter way to spend your tax refund: Rather than spend your refund on what could be nothing more than a scam, use the money to prosper by taking a continuing education course that can improve your career prospects and earnings potential.
Ahh, now you’re on the right track, spending your refund on something practical, such as insurance. The smarter way to spend your tax refund: Recognizing that little Jimmy won’t ever remember his first birthday, stash the refund in a college-savings account for him instead. The smarter way to spend your tax refund: Rather than buying what you want now, buy your friends and family what they want by funding this year’s holiday giving with cash from your refund. To learn more about what the best time to buy big screens, check out Best Times to Buy Big-Ticket Items. For $3,000 or so, you could get an above-ground pool and have fun in the sun all summer long.
The smarter way to spend your tax refund: Increase the value of your home by upgrading your front door, fixing up the fireplaces or taking on one of our 6 Home Projects That Save Energy and Money.
The smarter way to spend your tax refund: Make a charitable contribution to help those in need.
You can also use your refund to help accumulate enough money to open up a donor-advised fund.
You can’t think of a good way to spend your money, so you could just stuff it under your mattress for safekeeping. If youa€™re expecting a refund, you might be tempted to rush out and spend it on a new car or a fancy vacation.
One of the smartest things you can do with your refund is to zap your credit card balances or other types of high-interest debt, Walsh said.
Your tax refund might help you sleep better at night if you use it to bulk up your savings.


Think of it this way: the more of your tax refund you save, the less of a chance youa€™ll end up needing to tap your credit cards if you hit a rough patch.
Once youa€™ve taken care of more immediate financial concerns and your retirement, ita€™s time to think about your kids and their future. Two types of college savings vehicles, 529 plans and Coverdell Education Accounts, offer potential tax benefits so long as the money is used for qualified educational expenses. Why is so important to do what you can to bulk up your childrena€™s college savings accounts? If youa€™ve been dreaming of developing new skills, or of getting a degree, this could be your shot.
The payoff might be more than just a higher paying joba€”it might also include personal satisfaction. No matter how you use the cash from your refund, there is one simple step any citizen should take: adjust your withholdings to prevent a refund next year. A refund sounds great, but in reality it means you overpaid on your taxes over the course of the year. For many taxpayers, figuring out how much to pay in taxes throughout the year to avoid getting a refund is a difficult task.
But if you can help it, you might be better off foregoing the refund and using the extra cash from each paycheck to invest or to pay down your debt throughout the year rather than let the government hang on to your hard-earned cash interest-free. Using your refund to pay off a credit-card balance with an 18% interest rate is like earning 18% on your investments—an incredibly valuable use of the money. But what happens if your car breaks down, you have to have wisdom teeth pulled or you owe money to the IRS next year? For instance, you can contribute up to $5,500 to a Roth IRA for 2016 (or $6,500 if 50 or older)—and withdraw the money tax-free in retirement. You’ve never had the cash to cover the cost of the daylong seminar to get the details—until now. You might be able to claim the Lifetime Learning tax credit (worth 20% of the first $10,000 of qualified education expenses) for your tuition, even if you're not enrolled in a degree program.
A mortgage life insurance policy may seem like a good use of your refund because it will pay off your home loan if you die.
For about $50, you can add $10,000 to $20,000 in sewage-backup coverage—which isn't part of a standard homeowners policy. You also can pay to trim your trees to help protect against some of the most common types of storm damage. You could use your $3,000 refund to hire clowns, put a merry-go-round in the yard and have pony rides.
Problem is, you’ll likely need to add more liability coverage to your homeowners-insurance policy.
You could use your refund to rent a big black car, head to the swankiest restaurant in town and order the priciest meal and bottle of champagne on the menu. You’ll feel good -- and you’ll be rewarded for your good deed when you file your tax return for 2016 (charitable contributions are deductible if you itemize).
Invest in a session with a financial planner to make sure you're on track to reach your financial goals.


There are much better uses for this chunk of cash that could actually pay off in the long run.
By opting for direct deposit, you can deposit your refund, for free, in up to three accounts in U.S.
If yes, while youa€™re focused on retirement, figure out whether youa€™re on track to save the max this year using FINRAa€™s 401(k) Save the MaxA calculator. Every dollar you save reduces the chances your kids will face a heavy student loan burden down the road. Some people deliberately withhold too much from their paychecks, using this tactic as a forced savings plan. There is no advantage to filing on paper before the opening date, and taxpayers will receive their tax refunds much faster by using e-file with direct deposit.  “The best option for taxpayers is to file electronically”. If you’re feeling lucky, you could head to the casino to double down at the blackjack table. You can contribute the full $5,500 as long as your income falls below $117,000 if you're single, and $184,000 if you're married and filing a joint tax return.
But these policies tend to be expensive and don’t give your heirs the flexibility to use the money for anything else. It generally costs just $175 to $300 in annual premiums to buy a personal umbrella policy that provides $1 million in coverage over the limits of your auto- and homeowners-insurance policies. By contributing to a 529 account, you’ll be able to let the money grow tax-free for college bills, and you could get a state income-tax deduction for your contribution. And pools typically don’t add value to a home, present an ongoing liability and might even lower the value of your property in the eyes of some home buyers.
See Smarter Ways to Give to Charity for strategies that will allow your giving to have the maximum impact. You can claim a tax deduction in the year you make a contribution to the fund, but you have an almost unlimited amount of time to decide which charities to support.
A fee-only financial planner generally charges $100 to $300 per hour (or $500 to $1,000 for a one-time consultation to set you on the right path).
The contribution limit for 401(k)s this year is $18,000 ($24,000 if you are age 50 or above).
It is money you might otherwise have used during the year to pay your bills, invest or reduce your debt, but that instead, you paid to the government.
Many others, though, experience changes in their life that impact their tax status, whether that means getting married or divorced, having a child or changing jobs. We’ve identified 10 enticing but wasteful ways to blow your refund; consider our money-smart alternatives instead. The contribution limit is phased out incrementally if you make between $117,000 and $132,000 (single) or $184,000 and $194,000 (married filing jointly). It's particularly helpful to get the planner to review your situation if you’ve recently had or are anticipating a major life change.



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