Entering mortgage interest and/or property tax will have no effect---refunds are sourced from having tax withheld from income you received during the year except for refunds that you get as a result of having refundable credits. And itemized deductions have no effect unless they exceed your standard deduction--which is $29,200 for a married couple (+ $1500 for each spouse 65 or older).
When you say you lived on "savings" were you taking money out of a retirement account? Do you have a 1099R? 1099B for investment income? What kind of "savings" ?
Who has to file?
http://www.irs.gov/uac/Do-I-Need-to-File-a-Tax-Return%3F
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
