1. Avoid Refund Anticipation Loans (RAL) or other refund products. If you’re looking for a quick refund you can get it within two weeks or less by e-filing and having the refund directly deposited into your account.
2. Contribute to or open an emergency fund. Your tax refund is a great way to start. We recommend saving three to six months of living expenses. But anything is better than nothing.
3. Pay down credit cards or other high interest loans. Remember, credit card debt is simply an unsecured loan. The longer the life of the loan, the more you’ll pay for borrowing the money.
4. Pay down your mortgage. Any extra payments go toward paying down your principal. Paying off your mortgage faster means you pay less in interest. By making two extra payments a year, you may be able to pay off your 30-year mortgage in 15 years.
5. Service the car and tackle other to-do’s. If you’ve been putting off getting an oil change, cleaning the gutters or fixing the leaky roof – now’s the time to cross those things off your list.
6. Invest in retirement. Whether it’s your 401(k), IRA or Roth IRA, investing your tax refund now could mean a nicer cushion later. The sooner you start saving, the more time your money has to grow.
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7. Open a College Savings Plan. A college education isn’t getting any cheaper. College Savings Plans withdrawals are tax-free when used for higher education.
8. Invest in Your Home. Your refund won’t be enough to redo your kitchen or bathroom, but it can pay for some smaller home improvements. Use the extra cash to add a back-splash, paint a room or cabinets, replace your bathroom sink, swap out your faucets, organize a closet, and install a programmable thermostat or spruce up your yard.
9. Fund a Taxable Account. Use the extra cash to buy shares in a mutual fund or stock you’ve been considering.
10. Prepay Your Vacation. Set aside some money for vacation rather than using your credit card and paying interest long after you have returned.
Find greater goal setting financial tips on our web site, www.accesseducation.org
Talk to a counselor today! (877) 789-4206