topic Re: What should I do with my refund? in Your money stories https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21839#M21 <P>Two suggestions:</P><P>&nbsp;</P><P>1. Put a portion of it in a savings account or ETF or index fund, that doesn't let you withdraw it for 3 months and add to that slowly.&nbsp; That way the temptation to spend doesn't get in the way.&nbsp;</P><P>&nbsp;</P><P>2. I use a free app called Acorns that automatically invests it in a few different investment portfolios from conservative to aggressive.&nbsp; They make it easy to put in small deposits and work your way up.&nbsp; You can put in as little as $5 or as much as you want.</P> Wed, 03 Apr 2019 22:44:20 GMT varun 2019-04-03T22:44:20Z What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/what-should-i-do-with-my-refund/01/21100#M20 <P>Think I'm getting a refund this year (fingers crossed, breath held, all that jazz) and, in thinking about what I spent my refund on last year, I realized I totally blew it.&nbsp;</P><P>&nbsp;</P><P>How can I actually save (beyond, you know, not spending it) or maybe even grow this possible/hopeful check?&nbsp;</P><P>&nbsp;</P><P>For some context, I wanna buy a house at some point in my life, I should probably get rid of my car loan at some point, and I have some credit card debt.&nbsp;&nbsp;Seriously, what should I do?&nbsp;</P> Fri, 29 Mar 2019 22:55:33 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/what-should-i-do-with-my-refund/01/21100#M20 JBJ 2019-03-29T22:55:33Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21839#M21 <P>Two suggestions:</P><P>&nbsp;</P><P>1. Put a portion of it in a savings account or ETF or index fund, that doesn't let you withdraw it for 3 months and add to that slowly.&nbsp; That way the temptation to spend doesn't get in the way.&nbsp;</P><P>&nbsp;</P><P>2. I use a free app called Acorns that automatically invests it in a few different investment portfolios from conservative to aggressive.&nbsp; They make it easy to put in small deposits and work your way up.&nbsp; You can put in as little as $5 or as much as you want.</P> Wed, 03 Apr 2019 22:44:20 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21839#M21 varun 2019-04-03T22:44:20Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21873#M22 <P>Agree with the suggestions already made. Something additional to consider is dividing your refund up into percentages according to your financial goals. For example, if you have credit card debt, but would also like to save for an emergency, you may consider an 80/20 split. 80% goes to your credit card debt that's also accruing interest (costing you money), and use the remaining 20% to start an emergency fund using a high-yield savings account (earning you money). For emergencies, you'll want something that's easily accessible, but if you're trying to save for retirement, ETFs are probably more ideal.&nbsp;</P> Thu, 04 Apr 2019 03:24:24 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21873#M22 jacquay 2019-04-04T03:24:24Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21976#M23 <P>first, you need to pay all of your debts down! that is key. you cannot save when you are constantly putting out. Discipline is denying yourself now, so that your future self can have better.&nbsp;</P><P>&nbsp;</P><P>You can also save as much as 20 a week in an account that you do not have access to and forget about it and let it grow.</P> Fri, 05 Apr 2019 00:55:30 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21976#M23 cjackson 2019-04-05T00:55:30Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21998#M24 <P>Look into Financial Peace University. They have a website where you can get great information and resources. First thing, pay off your debt. Budget for every dollar and account for pocket money (eating out, movies, etc...you may need to cut back in order to pay down debt faster...be disciplined and aggressive). Use the snowball effect. Pay your smallest debt first (lets say it's a department store credit card) and pay the minimum payment on the rest. Once your smallest debt is paid off, roll over the amount you were paying on your department store credit card to the next smallest debt on top of the minimum balance. Remember that every dollar counts. Look for ways to save and use that money to pay off debt. Once your debt is paid off then begin to save aggressively. During this time, do your research on the housing market and decide where you would like to buy. Find out what you can actually afford (not what you "qualify" for which is usually much higher then what people can actually afford). Factor in the % you would need to put down to get the monthly mortgage payment that you can afford. Factor in HOA fees, maintenance and all other bills that come with owning your home. Always aim to have at least $2,000 - $4,000 in a savings account for emergencies. Good luck!</P> Fri, 05 Apr 2019 08:58:56 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21998#M24 rbonilla 2019-04-05T08:58:56Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22128#M25 <P>All good advice.&nbsp; I am in the pay down debt group.</P><P>You cant get ahead if you are paying 12%, 14%, 18$, or worse 24% interest!</P><P>Pay down that debt and you just MADE 12%, 14%, 18% or 24% interest!</P><P>Then take the money you WERE using to pay that monster and have it automatically deducted from your bank account monthly and deposited into a no load mutual fund, my favorite something like the Fidelity Contrafund, or a mix of Large Cap and Small Cap aggressive growth funds.&nbsp; I am assuming you are under 50.&nbsp; You are smart to realize doing this will be good for your financial well being in the long run.&nbsp; Good Luck!</P> Sat, 06 Apr 2019 19:10:11 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22128#M25 SteveL 2019-04-06T19:10:11Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22538#M26 <P>All great advice here! &nbsp;Paying down your debt will raise your credit score. &nbsp;Live very frugally, for instance, we're mostly vegetarian due to bills, esp this month. &nbsp;Our credit score is 800+. &nbsp;The higher your credit score, the lower the interest rates on housing loans. &nbsp;A lot of major banks (Chase, etc), have a way of checking your credit score whenever you want without credit score penalties. &nbsp;If you don't have that I think you can sign up for Credit Journey which is by transamerica &amp; you can get your score. &nbsp;GL!</P> Tue, 09 Apr 2019 16:31:41 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22538#M26 Ruthlilycat 2019-04-09T16:31:41Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22733#M27 <P>First, have an emergency fund. Afterwards, consider the fact the stock market will get you 6-10% with index funds or blue chip technology stocks (Microsoft, Apple, Amazon, Google; Facebook might be good as well, since it recently took a decent tumble). So, anything that costs you more than 6-10% you need to pay off first (credit card debt), anything below 6-10% you should just pay on schedule (if you have an auto at 3%, that's very cheap money, doesn't make sense to pay faster than the schedule), so take whatever remains after the high interest loans are paid and put the money in the market.</P> Wed, 10 Apr 2019 20:38:06 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22733#M27 black mamba 2019-04-10T20:38:06Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/23665#M28 <P>1. Pay off the credit cards then the student loans. If you have balances on multiple cards, pay off the one with the smallest balance first so you feel the progress. Then....</P><P>2. Build an emergency fund, shoot for 6 to 8 months of expenses. No job is safe in this economy. Then....</P><P>3. Start building wealth. Like saving for the house. Find a house you can afford without living in poverty for everything else. Worst house in the neighborhood you want to live in and then put some sweat equity into it. Especially if you have handy friends and family. Investments are good, too.&nbsp;</P><P>&nbsp;</P><P>I use an app called YouNeedABudget.com. It is an online checkbook AND budgeting tool. It was the only app I could find in 2016 that did both. There may be others now, but I've found no reason to change.&nbsp;</P><P>&nbsp;</P><P>Happy adulting!</P> Mon, 15 Apr 2019 04:46:32 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/23665#M28 DogzRMe 2019-04-15T04:46:32Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/23668#M29 S Mon, 15 Apr 2019 04:57:35 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/23668#M29 Kaysmama22 2019-04-15T04:57:35Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/24156#M30 <P>I concur with all the above advice with one exception:</P><P>&nbsp;</P><P>I would pay off debt before I buy stocks, mutual finds or ETF’s. Why?</P><P>As Steve L noted, if you pay off a loan with 18% interest, you have effectively earned a guaranteed 18% return. You have no such guarantee in the financial markets. Once all credit card and installment debt (car loan) is paid, I would save for a down payment on a home.</P><P>&nbsp;</P><P>Also as noted above, you should balance a 6-12 month emergency fund with paying off your debt.</P><P>&nbsp;</P><P>Finally, I would deploy savings in an internet bank. As of today, one can earn over 2% in an internet bank such as American Express. and CITI.</P><P>&nbsp;</P><P>Good job everyone!<BR />Marketstar</P> Fri, 19 Apr 2019 18:42:29 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/24156#M30 marketstar99 2019-04-19T18:42:29Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/24184#M31 <P>Invest &amp; pay debt with your paycheck &amp; enjoy your refund... everybody could use a mental break and your refund is good for that.&nbsp;</P> Sat, 20 Apr 2019 12:52:21 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/24184#M31 razz12 2019-04-20T12:52:21Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/25085#M32 Spend it on food on lunch break. Mon, 13 May 2019 15:35:07 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/25085#M32 Charlesincharge 2019-05-13T15:35:07Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/25516#M33 <P>Pay &amp; Invest&nbsp;<BR />To save money , paying off the debt to avoid wasting interest.<BR />Make a plan to save a portion money investment to earn interest.</P> Fri, 24 May 2019 03:21:03 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/25516#M33 jeffguarino 2019-05-24T03:21:03Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/28714#M34 Good Fri, 31 May 2019 18:30:33 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/28714#M34 Brandi0720 2019-05-31T18:30:33Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/815657#M36 <P>What should I do with my refund.&nbsp; Currently put into cd</P> Mon, 17 Jun 2019 17:21:04 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/815657#M36 goofuseas 2019-06-17T17:21:04Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/950481#M71 <P>The first thing you should do is change your W2 so you don't let the government keep your money. Dave Ramsey's plan works well. Follow it for success.</P> Mon, 04 Nov 2019 03:24:14 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/950481#M71 flstcdav 2019-11-04T03:24:14Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/983078#M77 <P>I am loving this thread of comments. I got myself into a lot of debt, and am (thank goodness) super close to having it all paid off. I have less than 2k left to pay and am planning on paying it off with my refund, because I too would like to buy a house in a few years, not only will this get me out of debt but it will get my credit score back on track. The plan is to pay off the debt then put the rest into a savings account of some sort.&nbsp;</P> Tue, 14 Jan 2020 18:48:04 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/983078#M77 kburton7813 2020-01-14T18:48:04Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/992240#M78 <P>Congratulations on taking your finances in the right direction by paying down your debt,</P><P>&nbsp;</P><P>Your next consideration should be to build and maintain 6-12 months’ worth of living expense in the form of a money market fund or bank savings to cover a possible job loss and/or unexpected expenses.</P><P>&nbsp;</P><P>You can currently earn more interest income in an internet bank such as American Express (1.7%) than a conventional “bricks and mortar”bank.<BR />See <A href="https://www.americanexpress.com/personalsavings/home.html" target="_blank">https://www.americanexpress.com/personalsavings/home.html</A></P><P><BR />Good luck,<BR />Markestar</P> Sun, 19 Jan 2020 21:38:05 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/992240#M78 marketstar99 2020-01-19T21:38:05Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/998441#M80 <P>CJackson: I totally agree with you. It's comparable to a dog chasing it's tail. Until you pay off ALL of your debt you will never be able to enjoy the coins that you work for each week. Just think about it, your boss gets rich from you working at his company while the credit card companies continue to receive their interest payments. Mean while where stuck with the left overs trying to enjoy LIFE in the meantime. A good read is Rich Dad Poor Dad.</P> Tue, 21 Jan 2020 22:54:48 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/998441#M80 QO18 2020-01-21T22:54:48Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1002458#M81 <P>This response will be a bit different BUT what I did last year with mine was buy things I could flip. Purchased an $800 vehicle that I flipped for $4800, Purchased a $4000 vehicle with that and sold it for $6200. I probably could have kept going but tue patience it took to find the right vehicle was to much for me. My point being invest what you have into guaranteed money if possible. If not take the safe route and Robo Invest. It's worked for me so far!</P> Wed, 22 Jan 2020 22:39:38 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1002458#M81 AdrianH53 2020-01-22T22:39:38Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1004321#M82 <P>I definitely agree that you're going to want to pay down your debt first! Having debt brings your credit score down, which in turn will make it harder for you to get a good mortgage interest rate when you buy a house at some point. For your refund, the specific allocation percentage I'd recommend will depend on 1) what the balance of your credit card debt is, 2) how much your refund is, and 3) how much of an emergency savings you have, but I would probably recommend paying 80% of your refund toward the credit card debt, and 20% of your refund into a high-interest online savings account as an emergency fund (look for at least 2% interest). Then, make a budget of your monthly expenses and make a plan for how you'll allocate the portion of your income that exceeds those expenses.</P><P>&nbsp;</P><P>I would recommend the following "order of operations," adapted from Dave Ramsey's Financial Peace University, for where you allocate your savings each month:</P><P>0) If your company offers a <STRONG>401k with a company match</STRONG>, and you aren't enrolled already, sign up immediately. This will ensure you're saving for retirement and also gives you extra income for free! Do this even before you pay off any debt, because while you may be paying 20% interest on that credit card right now, the 401k match is a 50% or 100% "interest rate" in terms of return on investment (depending on what percent your employer matches)! If your company doesn't offer a 401k, ignore this step for now.</P><P>1) <STRONG>Save a $1000 emergency fund in a high-interest savings account</STRONG>, and leave it there. Only use it if an emergency occurs, to prevent yourself from taking on more debt.</P><P>2) Next, <STRONG>pay down all your debt--both the credit card and the car loan</STRONG>. Put everything you save each month (after you have the $1000 emergency fund) toward paying these off ASAP, because otherwise you're paying a lot more interest than you otherwise need to!</P><P>3) After you're debt free, <STRONG>switch back to saving into your emergency fund and aim to increase it to at least 3x your monthly expenses</STRONG>. This way, if you are ever between jobs or have healthcare copays and deductibles that add up, you won't have to go back to credit card debt.</P><P>4) Once you're debt free and have at least a 3-month emergency fund, <STRONG>start saving for a down payment on a house</STRONG>. If you have a good credit score (which the above steps will ensure!) then you only need a minimum of 10% down on a house for a good interest rate.</P><P>5) Once you have your house (congrats!), <STRONG>start putting more money into a Roth retirement investment account--at least 15% of your gross income each year</STRONG>. If your employer offers a 401k match, you're already contributing to it (see Step 0). For example, if you're currently putting 10% of your income into your 401k, then now is the time to bring your total retirement savings rate up to 15% by putting at least 5% of your income into a Roth IRA. I highly recommend opening your Roth IRA with a low-cost index fund, like Vanguard's S&amp;P 500 Index.</P><P>&nbsp;</P><P>Good luck!</P> Thu, 23 Jan 2020 14:57:14 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1004321#M82 ajones 2020-01-23T14:57:14Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1006801#M83 <P>For years I allow myself to get further into debt. Then tax returns come and I have to decide which debt to apply it to. Getting out of debt is one of the hardest self controls of life. Just stop buying stuff I tell myself. Just stop going out to lunch at work, I keep telling myself. I want this I want that, but later when I <U>need</U> this and I <U>need</U> that, I am deep into a stressful hole. Just pay off debt, stop adding to it, and find a way to save something even if it’s $5 when you can....&nbsp;</P> Thu, 23 Jan 2020 22:48:12 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1006801#M83 November737 2020-01-23T22:48:12Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1015344#M84 <P>Great ideas.&nbsp; HOWEVER, take a portion and do something nice for yourself.&nbsp; It does not have to be a large amount.&nbsp; Take your loved one(s) to a nice dinner, something that you normally could not afford or would not do because of the cost.&nbsp; It is very important to be financially responsible, but it is equally important to enjoy yourself now.&nbsp; It will make a great memory and help everyone relax or reduce their stress.</P> Sun, 26 Jan 2020 00:50:47 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1015344#M84 GreggS 2020-01-26T00:50:47Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1044097#M88 <P><LI-USER uid="70567"></LI-USER>&nbsp;Concerning the Acorns app, are you able to withdraw your funds, or are they locked in for a certain period of time?</P> Thu, 30 Jan 2020 14:15:50 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1044097#M88 Amiller508317 2020-01-30T14:15:50Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1045565#M89 <P>Thanks for the great ideas</P> Thu, 30 Jan 2020 18:26:16 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1045565#M89 qthaballa 2020-01-30T18:26:16Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1049617#M90 <P>You should use it to upgrade part of your house. For example last year I spent mine redoing the master bedroom closets, and this year I'm getting new counter tops in my kitchen. That way, you're adding value to something you own, and getting something you can enjoy relatively soon <span class="lia-unicode-emoji" title=":slightly_smiling_face:">🙂</span>&nbsp;</P> Fri, 31 Jan 2020 02:31:29 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1049617#M90 nickytea 2020-01-31T02:31:29Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1050335#M91 <P>Tally one more vote for debt-payment. It’s a no-brainer to me. My opinions on the subject have already been noted... but I would like to add:<BR /><BR /></P><P>Microsoft Excel has been a BIG part of helping me with my finances. I started using a spreadsheet of my own design about five years ago. I calculate my paycheck with it. I list EACH and EVERY recurring payment that I make. I take about 20 minutes each week to review every purchase I make, enter the amount in my spreadsheet, and then track what my balance will be throughout the year (even predict if I’m overdrawing myself months in advance).&nbsp;<BR /><BR /></P><P>I’ve found that, going through the motion of building this spreadsheet, updating it, and building little side-sheets with the data (retirement, debt payoff goals, future taxes, etc), I have a REALLY strong grasp on My finances. Anyone that’s completed high school algebra can do it too!&nbsp;<BR /><BR /></P><P>Good Luck!!!&nbsp;</P> Fri, 31 Jan 2020 04:20:06 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1050335#M91 McSquishy 2020-01-31T04:20:06Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1059093#M93 <P><LI-USER uid="71060"></LI-USER>I see this advice a lot and its not really good advice. Paying all your debts and being debt free is rarely a good idea. While some debts should be paid as fast as possible it depends on the interest rate. If I have a lone that is costing me 4% a year then it is only a good idea to pay it off as fast as possible if I can't put that money into something that pays me 4.01%+. Debt isn't a bad thing so long as you are still living within your means.<BR /><BR />I also see this a lot with people buying homes and deciding to go for shorter mortgages so that it's payed off faster and then are unable to ever properly save. &nbsp;</P> Sat, 01 Feb 2020 07:58:24 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1059093#M93 LughC 2020-02-01T07:58:24Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1059969#M94 <P>Cocaine and Hookers</P> Sat, 01 Feb 2020 15:33:57 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1059969#M94 xXMagicalJewXx 2020-02-01T15:33:57Z How do prevent someone from intercepting my tax returns on another card https://ttlc.intuit.com/community/your-money-stories/discussion/how-do-prevent-someone-from-intercepting-my-tax-returns-on-another-card/01/1061347#M95 Sat, 01 Feb 2020 19:13:53 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/how-do-prevent-someone-from-intercepting-my-tax-returns-on-another-card/01/1061347#M95 Jpmccurry523 2020-02-01T19:13:53Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1068298#M96 <P>Pay off your high interest credit card forst.</P> Sun, 02 Feb 2020 20:47:09 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1068298#M96 mangos2001 2020-02-02T20:47:09Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1068319#M97 <P>Pay off your high interest credit card first.&nbsp;</P> Sun, 02 Feb 2020 20:50:07 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1068319#M97 mangos2001 2020-02-02T20:50:07Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1084294#M98 <P>I corrected it the last time I made 18,475.00 in Rhode Island and 1700 and whatever it says there for MassachusettsAnd also made me $730 or whatever it says that I corrected my stuff because the picture I mean my text thing is wrong it’s not set up right it says 18,000 in every one but so I followed the directions the first time and then if I realize something was wrong</P> Tue, 04 Feb 2020 20:26:13 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1084294#M98 Arruda1 2020-02-04T20:26:13Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1087457#M99 <P>Why not get a CD loan? I'm using an app called self, lender and how it works is you pay a certain amount (I'm doing the $25 a month plan) and after a year or 2 you get almost all your money back. All the while you are saving and building credit at the same time. Before I even made a single payment my score went up 11 points.</P> Wed, 05 Feb 2020 02:03:08 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1087457#M99 Littleblue 2020-02-05T02:03:08Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1101646#M100 Thu, 06 Feb 2020 23:03:43 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1101646#M100 Noeljohnson50 2020-02-06T23:03:43Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1103371#M101 <P>I'm paying off my credit card</P> Fri, 07 Feb 2020 03:00:53 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1103371#M101 Cajuncool 2020-02-07T03:00:53Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1109169#M102 <P>Work on being debt free! Don’t do it too fast though, large payments drive your credit score down, which totally baffles me. Who put these people in charge anyway.&nbsp;</P> Fri, 07 Feb 2020 23:06:10 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1109169#M102 Ripp 2020-02-07T23:06:10Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1110892#M103 <P>mail it to me</P> Sat, 08 Feb 2020 03:15:25 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1110892#M103 gravedancer33 2020-02-08T03:15:25Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1123123#M104 <P>First, you could use a free tax calculator/refund estimate. (Intuit has one:&nbsp;<A href="https://turbotax.intuit.com/tax-tools/calculators/taxcaster/" target="_blank" rel="noopener">https://turbotax.intuit.com/tax-tools/calculators/taxcaster/</A>). I find it helpful to focus on a number versus an unquantifiable variable.</P><P>&nbsp;</P><P>Then split the amount in a way that is most meaningful to you BEFORE you get the check. I would suggest 50% into debt, 40% into your savings account and bucket the amount as "down payment" money, then 10% to charity (write it off for a potentially larger refund next year!)</P><P>&nbsp;</P><P>Hope this was meaningful to you.</P> Mon, 10 Feb 2020 02:49:00 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1123123#M104 reynoldscf95 2020-02-10T02:49:00Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1123454#M106 <P>I would check out Dave Ramsey and take financial peace university.</P> Mon, 10 Feb 2020 03:45:51 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1123454#M106 Kreger31 2020-02-10T03:45:51Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1125494#M107 <P>First of all, a refund isn't "found money", it is an interest free loan you've given to the government for the past year.</P><P>Step 1- adjust your withholdings so next year you get as little as possible back in refund.&nbsp; That will mean you get more every month in your paychecks.</P><P>Step 2- set aside $1,000 into a savings account for emergencies.&nbsp; This will help you not rely on credit cards or create debt when an emergency situation arises.</P><P>Step 3- pay off your debts! If all you have is a car payment, put everything remaining from your refund onto your car loan.&nbsp; If you have credit cards as well, pay those off.&nbsp; Whatever is the smallest balance is what you should pay off first.&nbsp; So when that is paid off you can throw whatever the monthly payment was for that debt plus any extra you have onto the next smallest balance.</P><P>&nbsp;</P><P>Best of luck.</P> Mon, 10 Feb 2020 16:28:51 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1125494#M107 DebtfreeJourney 2020-02-10T16:28:51Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1134704#M109 <P>This year I am getting around 2,700 back in my refund and this is how I am going to spend it:</P><UL><LI>Extra $1,000 payment to student loans</LI><LI>Extra $1,000 to "emergency fund" savings</LI><LI>$700 into my fun savings-- where I am saving for a vacation at the end of the year</LI></UL><P>&nbsp;</P><P>If you don't do something fun with a portion, it can be hard in my experience to motivate myself to do something "responsible" with the rest.&nbsp;<BR /><BR />Hope this helps you figure your refund plan out!!</P> Tue, 11 Feb 2020 18:40:57 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1134704#M109 saniam 2020-02-11T18:40:57Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1153801#M111 <P>I have my savings in a cert with a 3.50 APY, would you say that's good? Can you explain what you recommended he invest his money in?</P> Fri, 14 Feb 2020 17:18:05 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1153801#M111 leugimseyer07 2020-02-14T17:18:05Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1153888#M112 <P>Pay off credit card debt first, then build up a savings account of at least a month or two's worth of your expenses. Also make sure you're not using more than 1 credit card regularly, and leave the rest somewhere secured at home to just use every now and again (ideally, just often enough to keep the accounts active.) Doing these things has made my life infinitely less stressful.</P> Fri, 14 Feb 2020 17:31:30 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1153888#M112 Rouca 2020-02-14T17:31:30Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1160471#M115 <P><LI-USER uid="812729"></LI-USER>&nbsp; Totally agree with your advice!</P> Sat, 15 Feb 2020 20:03:41 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1160471#M115 BlueP 2020-02-15T20:03:41Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1162801#M116 <P>What Jew, durin???</P> Sun, 16 Feb 2020 02:39:25 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1162801#M116 Tilleylives 2020-02-16T02:39:25Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1197399#M119 <P>This is exactly what I’ll be doing with mine.</P> Fri, 21 Feb 2020 00:40:35 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1197399#M119 SagkingTarius 2020-02-21T00:40:35Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1205422#M121 <P>You have a few debts; if you get a tax refund, it might pay you more to pay down your debts. If you owe less than you get back, pay off your credit card debt and play down your car loan. You will save long term, on the interest rate. &nbsp;Always look at the interest you’re making on any saving verse what you will pay on interest on your debt. &nbsp;Your debts charge you more than your savings pay you, always pay your debts before you save.&nbsp;<BR />I hope this is useful.</P> Sat, 22 Feb 2020 01:35:34 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1205422#M121 Debyou 2020-02-22T01:35:34Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1248412#M130 <P>482</P> Fri, 28 Feb 2020 19:09:45 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1248412#M130 Cand567 2020-02-28T19:09:45Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281092#M134 <P>I've never got a refund till this year and I'm still waiting for it thinking about what I can buy I'm gunna get a truck and take care of my credit I've already been working with Lexington law and I can tell u this they have already got my debt from almost $ 2.600 in medical bills to 800 and too my credit scores way up and it's super affordable for anyone with a job bro. Best phone call I ever made and they got payment plans I only paid like 65 bucks a month for them to fix my credit report and my debit lol hell yeah I'm going to do that and when I lost my job they stayed on my case for like 10 bucks a month but r there worth more than what ur paying for and everytime they fix something on ur debt I got a notification that my credit score went up. In 3 months of **bleep**in with Lexington law my score has gone up 30 or 40 points but they got rid of over almost 2000 dollars in medical bills I don't have money for lol anyone looking to get ur credit and debt in order call Lexington law hopefully I don't get in trouble for putting their name out there like this but if it helps anyone looking for help these r the people who can do it&nbsp;</P> Fri, 06 Mar 2020 07:01:57 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281092#M134 Charliebrown31488 2020-03-06T07:01:57Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281102#M135 <P>I'm ju curious about the acorn app can u elaborate on how it works a little more for me. As in do u lose money if you have the wrong investment or is it all kinda making money on a small scale for a person who wants to start learning how to invest? Just let me know if u can please and thank you.&nbsp;</P> Fri, 06 Mar 2020 07:10:01 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281102#M135 Charliebrown31488 2020-03-06T07:10:01Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281107#M136 <P>How do you have a account and have money grow without putting money into it. I'll be putting money into it but I hope you understand the question what type of account I guess would be a better question but either way I'd like to hear from you please and thank you.</P> Fri, 06 Mar 2020 07:15:22 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281107#M136 Charliebrown31488 2020-03-06T07:15:22Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281138#M137 <P>That's great advice thanks but a little faster way to get ur debt and credit in order a little faster and it's honestly cheaper than aggressive saving and u got help to deal with the debt.&nbsp;&nbsp;</P><P>&nbsp;Lexington law I paid like 70 bucks a month for them in 3 months to bring my to bring my credit score up almost 50 points and got rid of almost 2000 dollars in past medical bills I couldn't afford to pay when I was homeless. Look at me now only 800 left in debt and I get notified when my credit score goes up or down but I lost my job but they kept on my case for 10 bucks a month to monitor my credit score case and score I'm about to start paying them as soon as I get my income tax return and let them start working on it again their the best at what they do no lie and I don't like **bleep**in with anyone who gets my money for doing something I can't see but I can tell you now you will have a better score and get to see it and ur debt dissapear within the first month to 2 months no lie they start working the minute u give them a 15 dollar payment I think it was or some **bleep** but I didn't think it was gunna make a difference until I started seeing my credit score going up after the first 40 days I was up like 5 points then 11 points like a few days later no lie they don't play when it comes to getting ur **bleep** in order without u having to do anything but pay them and when u get the notification check out ur debt and credit score and I guarantee you wont be sry u made the call sry thr message is so long but I have to let people know when I hear about how they can get their debts down and credit up well this is the fastest way I know of but u can't b out spending like a **bleep**tard on ur credit cards because someone is going to help dispute ur debt lol b smart about everything u buy if you don't have&nbsp; the cash for it right now bro you don't need it. My dad always told me that and that's y I don't have credit cards debt just medical bills lol no insurance lmfaoo hard times but I'm living a decent life now I don't want for anything and nor does my daughter but if I see something I want and don't have the money right now for it I'll save and rat hole&nbsp; my money that's how my dad got everything he has today. A beautiful house badass oldschool cars we built anything he wants he can have cause he did what I'm telling you to do right now. Think about what you want and by next year if u follow this little plan and be a hard working mother**bleep**er u will have anything you want I have seen it and I am doing it now with my life no lie.&nbsp;</P> Fri, 06 Mar 2020 07:52:23 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281138#M137 Charliebrown31488 2020-03-06T07:52:23Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281142#M138 <P>I'm curious to know more about how this works please message me back so I can figure out how to make my money work for me like u do. Please and thank you I look forward to hopefully hearing from you&nbsp;</P> Fri, 06 Mar 2020 07:55:50 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281142#M138 Charliebrown31488 2020-03-06T07:55:50Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281145#M139 <P>Just curious to know how did u get and have a 800+ credit score just wanted to know how I can get there with you please and thank you looking forward to hopefully hearing from you again thanks for the post and advice&nbsp;</P> Fri, 06 Mar 2020 08:00:21 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281145#M139 Charliebrown31488 2020-03-06T08:00:21Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281165#M140 <P>Paying for your car or any auto you have sooner than it can be paid for is always a benefit because they don't make interest on your payments lol and it's looks great on your credit report when your payments are early or paid off sooner than they are supposed to be looks great but the catch 22 about doing that is places like banks who make their money off of your loan payments see that you pay off your loan early or they see that you pay your loan off faster than expected they are not going to be willing to give you the money you want because you're financially responsible about your money and how you spend it anything you put money into you should make sure you can always get your money back for what you got or a little more nothing wrong with making money on a deal being able to pay for what you owe and still have money for whatever you see and might just want its not a problem cause everything you have is paid for and anything you want you can afford cause they don't have a problem giving you the money cause how you pay the loan off that's why it benefits you to pay off anything no matter how much it is a month if you have the extra money spend it on the stuff you're buying not the stuff you think you want lol no lie&nbsp;</P> Fri, 06 Mar 2020 08:23:09 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281165#M140 Charliebrown31488 2020-03-06T08:23:09Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281170#M141 <P>If you first off pay off your debt y save up emergency funds for debt that you just paid off lol r u planning on going back into debt lol no offense just asking.</P> Fri, 06 Mar 2020 08:33:48 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281170#M141 Charliebrown31488 2020-03-06T08:33:48Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1303991#M143 <P>Why is my **bleep**ing refund so low this year I should have 4000 why in the hell I just got 500 back wtf is this</P> Wed, 11 Mar 2020 14:40:19 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1303991#M143 Lilcee 2020-03-11T14:40:19Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1304014#M144 <BLOCKQUOTE><HR /><LI-USER uid="954208"></LI-USER>&nbsp;wrote:<BR /> <P>Why is my **bleep**ing refund so low this year I should have 4000 why in the hell I just got 500 back wtf is this</P> <HR /></BLOCKQUOTE> <P>The federal tax refund and the state tax refund are sent separately.</P> <P>If you received the federal tax refund then go to this IRS website for federal tax refund FAQ's -&nbsp;<A href="https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions" target="_blank">https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions</A></P> <P>&nbsp;</P> <P><EM><STRONG>Why is my refund different than the amount on the tax return I filed?</STRONG></EM><BR /><EM>All or part of your refund may have been used (offset) to pay off past-due federal tax, state income tax, state unemployment compensation debts, child support, spousal support, or other federal nontax debts, such as student loans. To find out if you may have an offset or if you have questions about an offset, contact the agency to which you owe the debt.</EM></P> <P><EM><STRONG>We also may have changed your refund amount because we made changes to your tax return. You’ll get a notice explaining the changes</STRONG>.&nbsp;<A title="¿Dónde está mi reembolso? - Es rápido, fácil y seguro" href="https://www.irs.gov/refunds" data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="a30296cc-6e05-4dd1-931f-6ccf40afa66e" target="_blank">Where’s My Refund?</A>&nbsp;will reflect the reasons for the refund offset when it relates to a change in your tax return.</EM></P> <P><EM><A title="Tax Topic 203 - Refund Offsets for Unpaid Child Support, Certain Federal and State Debts, and Unemployment Compensation Debts" href="https://www.irs.gov/taxtopics/tc203" data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="a5f0e912-890a-4283-b745-6ab5ae4a76e4" target="_blank">Tax Topic 203 - Refund Offsets for Unpaid Child Support, Certain Federal and State Debts, and Unemployment Compensation Debts</A>&nbsp;has more information about refund offsets.</EM></P> Wed, 11 Mar 2020 14:45:29 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1304014#M144 DoninGA 2020-03-11T14:45:29Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1317853#M148 <P>Pay off some my bills.</P> Sun, 15 Mar 2020 00:59:57 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1317853#M148 marlene dixon 2020-03-15T00:59:57Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1317867#M149 <P>pay my bills.&nbsp; think GOD.</P> Sun, 15 Mar 2020 01:03:48 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1317867#M149 marlene dixon 2020-03-15T01:03:48Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1322380#M150 <P>Get rid of that cc debt for sure. You’ll enjoy the breathing room.</P> Mon, 16 Mar 2020 07:10:30 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1322380#M150 LeoL1209 2020-03-16T07:10:30Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1322797#M152 <P>send me a check</P> Mon, 16 Mar 2020 14:16:14 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1322797#M152 gravedancer33 2020-03-16T14:16:14Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1323395#M153 <P>I will on my bills, thank GOD.</P> Mon, 16 Mar 2020 16:20:35 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1323395#M153 marlene dixon 2020-03-16T16:20:35Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1323398#M154 <P>I will pay my bills, thank GOD.</P> Mon, 16 Mar 2020 16:22:31 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1323398#M154 marlene dixon 2020-03-16T16:22:31Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1388461#M159 <P>1) Pay Rent&nbsp;</P><P>2) Pay Utilities</P><P>3) Pay any Credit Card Bills</P><P>4) Pay any Healthcare Bills</P><P>5) Save towards Emergency Fund - Figure out what 6 months of your living costs are and put it aside in a different bank account that you never touch</P><P>6) Max out your Retirement Accounts</P><P>&nbsp;</P><P>&nbsp;</P> Tue, 31 Mar 2020 21:27:46 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1388461#M159 Toasterovenproblems 2020-03-31T21:27:46Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1391878#M160 <P>Here’s what works for me:<BR />Do not associate pieces of income with particular expenses. Just add up all income for all sources and make a plan for what you’re going to do with all that money. Every month has irregular income from rebates, OT, tax refund etc, and every month has irregular expenses. It’s easier to <STRONG>add up all the incomes into one number</STRONG> and then decide what to do with that entire amount.<BR />Write down the simple plan of how to spend your money because if it has more than a few items it’s hard for your brain to store it. Your brain should be used a) to think up creative ways to get the things you want with limited money and time and b) ways to make more money. Your brain is much less effective than paper at keeping track of lists.</P> Wed, 01 Apr 2020 17:12:11 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1391878#M160 cgervasi 2020-04-01T17:12:11Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1399159#M161 <P>I wish I had a refund, mine is never sent, you would think all you do the IRS world would at least give you something back. I’m so tired of paying taxes.</P> Fri, 03 Apr 2020 00:49:18 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1399159#M161 Jimmyev23 2020-04-03T00:49:18Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1399584#M162 <P>"<SPAN>mine [refund] never sent"</SPAN></P><P>Do you mean when you fill out your return, it shows you didn't overpay so you don't get a refund?</P><P>Or does your return show a refund, and they don't send it?&nbsp; If that's the case, you should complain.&nbsp; You may be able to get them to send past years' refunds.&nbsp;&nbsp;</P><P>If you're not entitled to one because you didn't overpay, that's a good thing.&nbsp; You don't want to overpay and then have to ask for the excess back.</P> Fri, 03 Apr 2020 03:01:39 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1399584#M162 cgervasi 2020-04-03T03:01:39Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1423761#M165 <P>Invest</P> Wed, 08 Apr 2020 04:20:07 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1423761#M165 Jaguar231 2020-04-08T04:20:07Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1427886#M166 <P>Save</P> Wed, 08 Apr 2020 23:50:12 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1427886#M166 Sa28 2020-04-08T23:50:12Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1428826#M167 <P>I have a precious 4 year old daughter and we have faught to hell and back to survive a spouse sabotaging jobs, stalking us. forcing us to have to move, withholding child support, hacking into my electronic devices, causing destruction where I stay with little resources. I want to take my tax refund and move away and start again as an artist and paralegal and give her a peaceful life. That's all I want is to not live in fear.&nbsp;</P> Thu, 09 Apr 2020 04:27:54 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1428826#M167 mparacca 2020-04-09T04:27:54Z Using the Refund to Get Away from a Jerk https://ttlc.intuit.com/community/your-money-stories/discussion/using-the-refund-to-get-away-from-a-jerk/01/1430318#M168 <P>That sucks. Your problem is only tangentially related to your refund.&nbsp;</P><P>&nbsp;</P><P>If the refund is big enough to make a difference in your life, they’re withholding too much.&nbsp; You can update your W-4 and get a bigger paycheck and less refund.&nbsp; Then you use that money to follow your dreams and get away from the jerk.&nbsp;</P><P>&nbsp;</P><P>As for the jerk, I would try to let the authorities deal with him.&nbsp; They’re not perfect, but engaging with him emotionally just encourages him.&nbsp; If you don’t react, people will eventually see him for what he is, and he won’t be able to affect your jobs.&nbsp; Find a geek to get him out of your devices, or use a flip-phone temporarily.&nbsp; It’s easier said than done.&nbsp; But in a year you’ll see he’s just another low-life.</P> Thu, 09 Apr 2020 15:42:31 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/using-the-refund-to-get-away-from-a-jerk/01/1430318#M168 cgervasi 2020-04-09T15:42:31Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1498108#M196 <P>I would buy a place were we all can live&nbsp;</P> Fri, 17 Apr 2020 03:45:23 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1498108#M196 Dasdas123 2020-04-17T03:45:23Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1500103#M199 <P>Pay all my bills and God</P> Fri, 17 Apr 2020 14:27:59 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1500103#M199 marlene dixon 2020-04-17T14:27:59Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1536999#M222 <P>For some context, I wanna buy a house at some point in my life.</P> Sat, 25 Apr 2020 22:26:54 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1536999#M222 LOVEADHD 2020-04-25T22:26:54Z Buying a House https://ttlc.intuit.com/community/your-money-stories/discussion/buying-a-house/01/1538722#M224 <P>"<SPAN>For some context, I wanna buy a house at some point in my life."</SPAN></P><P><SPAN>This doesn't directly relate to refunds, but it reminds me of how before I bought my first home I thought there was something complicated about it.&nbsp; But it's all about saving money in a savings account until you have enough for a good down payment.&nbsp; I was 22 when I first thought about it.&nbsp; It seemed like forever, but you can save money over time, and it builds up faster than you think because you occasionally get bonuses, OT, odd side jobs, raises, etc.&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>If you're getting a big refund, you can update your W-4 form and increase the number of exemptions so they take less money out of your paycheck and you don't have to ask for it back in the form of a refund.&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>It's odd how felt like there was some complicated theory behind buying a house at age 22.&nbsp; It's just saving money, finding any opportunities to make extra money to save, and watching for a bargain on a house.&nbsp;&nbsp;</SPAN></P> Sun, 26 Apr 2020 15:06:53 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/buying-a-house/01/1538722#M224 cgervasi 2020-04-26T15:06:53Z Re: Buying a House https://ttlc.intuit.com/community/your-money-stories/discussion/re-buying-a-house/01/1539761#M225 <P>Before you buy a home, do remember to think like an investor.</P><P>&nbsp;</P><P>Ask yourself are there any problems with the house and the neighborhood that would lose a potential buyer's interest.</P><P>&nbsp;</P><P>Doing so could&nbsp; possibly save you a lot of headaches and frustration during ownership and&nbsp; when you try to sell it..</P><P>&nbsp;</P><P>See 30 Questions You MUST&nbsp; Ask Before buying a Home.</P><P><FONT><A href="https://thriftdiving.com/30-questions-to-ask-before-buying-a-house/" target="_blank" rel="noopener">https://thriftdiving.com/30-questions-to-ask-before-buying-a-house/</A></FONT></P><P>&nbsp;</P><P><FONT>Good luck,</FONT></P><P><FONT>Marketstar</FONT></P><P>.</P> Sun, 26 Apr 2020 19:19:28 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-buying-a-house/01/1539761#M225 marketstar99 2020-04-26T19:19:28Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1549012#M240 <P>where is all of my refund?</P><P>&nbsp;</P><P>&nbsp;</P> Wed, 29 Apr 2020 02:03:50 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1549012#M240 1958ovenbaker 2020-04-29T02:03:50Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1552438#M242 <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif"><STRONG>It depends.</STRONG>&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">The IRS issues a lot of refunds within 21 days, but it could take longer.&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif"><A href="https://ttlc.intuit.com/community/refund-status/help/when-will-i-get-my-irs-tax-refund/00/25589" target="_blank"><SPAN style="color:null">IRS processing time and refund status</SPAN></A><SPAN style="color:null">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">The online link is your best option to track your refund.&nbsp; I have attached a link with more answers from the IRS as to why your refund may be taking longer to process.</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif"><A href="https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions" target="_blank"><SPAN style="color:null">Federal refund questions</SPAN></A></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">Also, be aware, the IRS operations are limited during the Covid-19 pandemic.&nbsp; Attached is a link with more information as to what departments are available to contact at the moment.</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif"><A href="https://www.irs.gov/newsroom/irs-operations-during-covid-19-mission-critical-functions-continue" target="_blank"><SPAN style="color:null">IRS operations</SPAN></A></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">Please see the attached for more specific information as it applies to your particular state.&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif"><A href="https://ttlc.intuit.com/community/refund-status/help/how-do-i-track-my-state-refund/00/25571" target="_blank"><SPAN style="color:null">How to track my refund</SPAN></A><SPAN style="color:null">&nbsp;</SPAN></SPAN></SPAN></P> Thu, 30 Apr 2020 04:09:12 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1552438#M242 JotikaT2 2020-04-30T04:09:12Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1555313#M246 <P>I want to save</P> Fri, 01 May 2020 02:05:31 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1555313#M246 gF2 2020-05-01T02:05:31Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1557195#M248 <P>…..and well you should.</P><P>&nbsp;</P><P>Committing to <EM>paying yourself first</EM> by saving 10% of your income will get you on the road to financial independence.</P><P>&nbsp;</P><P>Your first priority should be to save 6-12 months of living expenses in a bank or money market fund. to cover a potential job loss or an unexpected large expense such as a car repair.</P><P>&nbsp;</P><P>You will probably earn a higher interest rate in an internet bank fund such as American Express Bank currently yielding 1.5%,</P><P>&nbsp;</P><P>See <A href="http://www.americanexpress.com" target="_blank">www.americanexpress.com</A></P><P>&nbsp;</P><P>Good luck,<BR />Marketstar</P><P>&nbsp;</P> Fri, 01 May 2020 19:07:09 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1557195#M248 marketstar99 2020-05-01T19:07:09Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1574509#M251 <P>Hello,</P><P>Just would like to know how to get out of debt. And learn how to save have one credit card and one personal loan and one car loan . And some little medical bill that I will take care this month. Would love to learn how to invest my money or donate to a good cause but don't know would like to be more educated about donations.</P><P>&nbsp;</P><P>&nbsp;</P><P>Thank you,</P><P>&nbsp;</P><P>Mrs. Morris</P> Fri, 08 May 2020 01:22:43 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1574509#M251 CMcrr 2020-05-08T01:22:43Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1574561#M252 <P>To get out of debt, you can focus on one debt at at time, starting with highest rate or starting with smallest balance.&nbsp; When I was in debt, I didn't want to accept the road out would take over a year.&nbsp; I wish I could go back and say don't worry about that; just the next year financially is going to be about retiring debt.&nbsp;&nbsp;</P><P>&nbsp;</P><P>If you can get rid of the car loan, that's good too.&nbsp; There's no reason to aim to keep some debt.</P><P>&nbsp;</P><P>Don't worry about investing or donating until you're done with the debt.&nbsp; One thing at a time.&nbsp; When the debt's gone, you'll have money to invest.&nbsp; As for donating, I try to donate to people I know.&nbsp; I asked my kids' teachers if they know anyone struggling to pay for Internet during this corona virus crisis.&nbsp; It was nice to be able to help.&nbsp; I could not have helped 20 years ago when I had debt.</P><P>&nbsp;</P><P>It will go faster than you think, not just in terms of perception, but in time.&nbsp; You'll find new ways to pick up OT, bonuses, things to sell, or whatever over the time when you're paying off the debt.&nbsp;&nbsp;</P><P>&nbsp;</P><P>Regarding the OP topic, get your HR office to update your W-4 form so they take less out for taxes and so you don't get much refund.&nbsp; That way you have more money from each paycheck to pay debt or do whatever you want with.</P> Fri, 08 May 2020 01:55:15 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1574561#M252 cgervasi 2020-05-08T01:55:15Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1613169#M263 <P>I want to save money as much I can.&nbsp;</P> Fri, 29 May 2020 21:44:45 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1613169#M263 Miajj2020 2020-05-29T21:44:45Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1628403#M266 <P>Okay, whomever this New Varun is, do not listen to them... They know nothing of what they say.</P><P>Crush your high-interest Credit Card as soon as your Refund Check arrives.</P><P>From this point on, never run-up a Balance on Credit Cards that you cannot pay-off (in-full) monthly.</P> Wed, 10 Jun 2020 14:55:19 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1628403#M266 t-grnt03xx 2020-06-10T14:55:19Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637194#M268 <P>I am trying to figure out what's going on with my taxes where are my tax return</P> Wed, 17 Jun 2020 05:07:57 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637194#M268 Janita Cortney woods 2020-06-17T05:07:57Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637196#M269 <P>Where's my 2019 tax return my payment was 3,175</P> Wed, 17 Jun 2020 05:09:55 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637196#M269 Janita Cortney woods 2020-06-17T05:09:55Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637458#M270 <P><SPAN style="font-size:12.0pt"><SPAN style="font-family:Arial"><SPAN style="color:#2e2e2e">The online link is your best option to track your refund.&nbsp; I have attached a link with more answers from the IRS as to why your refund may be taking longer to process.</SPAN></SPAN></SPAN></P> <P><SPAN style="font-size:12.0pt"><SPAN style="font-family:Arial"><A href="https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions" target="_blank">Federal refund questions</A></SPAN></SPAN></P> Wed, 17 Jun 2020 15:42:37 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637458#M270 CatinaT1 2020-06-17T15:42:37Z Refund? https://ttlc.intuit.com/community/your-money-stories/discussion/refund/01/1654834#M272 <P>I filed my taxes up here on January 29 and I still haven’t got my refund but everybody else that has filed their has gotten it back why am I the only one that hasn’t got their back yet it July after that it’ll be almost time to file again</P> Thu, 02 Jul 2020 23:51:26 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/refund/01/1654834#M272 Momabear_37 2020-07-02T23:51:26Z Re: Refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-refund/01/1654839#M273 <P>Did you efile or mail your return? They just started processing mailed returns that have been stacking up..<BR /><BR />If you efiled....Was your return Accepted? First double check your efile status here<BR /><A href="https://turbotax.intuit.com/tax-tools/efile-status-lookup/" target="_blank">https://turbotax.intuit.com/tax-tools/efile-status-lookup/</A><BR /><BR />When you efile you get back 2 emails. The first email only confirms the transmission. The second email says if the IRS (or state) Accepted or Rejected your efile.<BR /><BR />Then only the IRS can tell you. IRS Where's my refund <A href="https://www.irs.gov/refunds/" target="_blank">https://www.irs.gov/refunds/</A><BR />Make sure you are using the refund amount from your actual federal tax return and not the combined amount Turbo Tax showed you at the end. That was for federal and state combined.<BR /><BR />When you log into your account you should also see the status and if it was Accepted or Rejected, Started, Printed, Ready to Mail, etc.&nbsp;&nbsp;what does it say?<BR /><BR />When will you get your refund,<BR /><A href="https://ttlc.intuit.com/community/refund-status/help/when-will-i-get-my-irs-tax-refund/01/25589" target="_blank">https://ttlc.intuit.com/community/refund-status/help/when-will-i-get-my-irs-tax-refund/01/25589</A></P> Thu, 02 Jul 2020 23:53:35 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-refund/01/1654839#M273 VolvoGirl 2020-07-02T23:53:35Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1658490#M274 <P>Robinhood or any other investment portfolio app is better then acorns looked into it and they take way to much everyday from every stock you have foreget that</P> Sun, 05 Jul 2020 23:36:31 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1658490#M274 Zacsaysyousuck 2020-07-05T23:36:31Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1690478#M280 <P>Your credit card's interest rate is probably much higher than the interest rate you might pay for a home loan or an auto loan.&nbsp; Sink your money into paying off the principal on your credit card balance.</P> Thu, 16 Jul 2020 00:11:29 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1690478#M280 d-fly 2020-07-16T00:11:29Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1697432#M282 <P>All I have to say is they took 225 out of my refund and did nothing. I did all the leg work. They were not supposed&nbsp; to take it. I want my money back. They are scammers and I'll never use them&nbsp; again..Take my advise do not use turbo tax. I'll continue&nbsp; spreading&nbsp; the&nbsp; word&nbsp; till I get my 245 back. Tina Kluttz.&nbsp;</P> Wed, 22 Jul 2020 20:49:32 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1697432#M282 TKLUTTZ57 2020-07-22T20:49:32Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1697434#M283 <P>They are scammers. They steal from you .Tkluttz57&nbsp;</P> Wed, 22 Jul 2020 20:51:41 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1697434#M283 TKLUTTZ57 2020-07-22T20:51:41Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1702598#M284 Sun, 02 Aug 2020 01:06:10 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1702598#M284 ruizmiguel54 2020-08-02T01:06:10Z I WANT TO FILE MT 2019 TAX. CAN I DO THAT HERE? https://ttlc.intuit.com/community/your-money-stories/discussion/i-want-to-file-mt-2019-tax-can-i-do-that-here/01/1708310#M287 <P>TAX FILE FOR&nbsp; 2019</P> Fri, 14 Aug 2020 06:00:19 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/i-want-to-file-mt-2019-tax-can-i-do-that-here/01/1708310#M287 seemoss2000 2020-08-14T06:00:19Z Re: What should I do with my refund? acorn is a great idea for it https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund-acorn-is-a-great-idea-for-it/01/1709319#M288 <P>Acorn is a great idea for my return right or what ever&nbsp;</P> Sun, 16 Aug 2020 21:10:28 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund-acorn-is-a-great-idea-for-it/01/1709319#M288 Edward M McDowell 2020-08-16T21:10:28Z Re: What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1712662#M289 <P>&nbsp;I am still waiting for my Refund do u now how long it will be &nbsp;????</P> Tue, 25 Aug 2020 15:28:12 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1712662#M289 Nmar73 2020-08-25T15:28:12Z
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topic Re: What should I do with my refund? in Your money stories
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21839#M21
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<P>Two suggestions:</P><P>&nbsp;</P><P>1. Put a portion of it in a savings account or ETF or index fund, that doesn't let you withdraw it for 3 months and add to that slowly.&nbsp; That way the temptation to spend doesn't get in the way.&nbsp;</P><P>&nbsp;</P><P>2. I use a free app called Acorns that automatically invests it in a few different investment portfolios from conservative to aggressive.&nbsp; They make it easy to put in small deposits and work your way up.&nbsp; You can put in as little as $5 or as much as you want.</P>
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<pubDate>Wed, 03 Apr 2019 22:44:20 GMT</pubDate>
<dc:creator>varun</dc:creator>
<dc:date>2019-04-03T22:44:20Z</dc:date>
<item>
<title>What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/what-should-i-do-with-my-refund/01/21100#M20
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<P>Think I'm getting a refund this year (fingers crossed, breath held, all that jazz) and, in thinking about what I spent my refund on last year, I realized I totally blew it.&nbsp;</P><P>&nbsp;</P><P>How can I actually save (beyond, you know, not spending it) or maybe even grow this possible/hopeful check?&nbsp;</P><P>&nbsp;</P><P>For some context, I wanna buy a house at some point in my life, I should probably get rid of my car loan at some point, and I have some credit card debt.&nbsp;&nbsp;Seriously, what should I do?&nbsp;</P>
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<pubDate>Fri, 29 Mar 2019 22:55:33 GMT</pubDate>
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https://ttlc.intuit.com/community/your-money-stories/discussion/what-should-i-do-with-my-refund/01/21100#M20
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<dc:creator>JBJ</dc:creator>
<dc:date>2019-03-29T22:55:33Z</dc:date>
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<title>Re: What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21839#M21
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<P>Two suggestions:</P><P>&nbsp;</P><P>1. Put a portion of it in a savings account or ETF or index fund, that doesn't let you withdraw it for 3 months and add to that slowly.&nbsp; That way the temptation to spend doesn't get in the way.&nbsp;</P><P>&nbsp;</P><P>2. I use a free app called Acorns that automatically invests it in a few different investment portfolios from conservative to aggressive.&nbsp; They make it easy to put in small deposits and work your way up.&nbsp; You can put in as little as $5 or as much as you want.</P>
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<pubDate>Wed, 03 Apr 2019 22:44:20 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21839#M21
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<dc:creator>varun</dc:creator>
<dc:date>2019-04-03T22:44:20Z</dc:date>
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<title>Re: What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21873#M22
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<P>Agree with the suggestions already made. Something additional to consider is dividing your refund up into percentages according to your financial goals. For example, if you have credit card debt, but would also like to save for an emergency, you may consider an 80/20 split. 80% goes to your credit card debt that's also accruing interest (costing you money), and use the remaining 20% to start an emergency fund using a high-yield savings account (earning you money). For emergencies, you'll want something that's easily accessible, but if you're trying to save for retirement, ETFs are probably more ideal.&nbsp;</P>
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<pubDate>Thu, 04 Apr 2019 03:24:24 GMT</pubDate>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21873#M22
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<dc:creator>jacquay</dc:creator>
<dc:date>2019-04-04T03:24:24Z</dc:date>
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<title>Re: What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21976#M23
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<P>first, you need to pay all of your debts down! that is key. you cannot save when you are constantly putting out. Discipline is denying yourself now, so that your future self can have better.&nbsp;</P><P>&nbsp;</P><P>You can also save as much as 20 a week in an account that you do not have access to and forget about it and let it grow.</P>
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<pubDate>Fri, 05 Apr 2019 00:55:30 GMT</pubDate>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21976#M23
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<dc:creator>cjackson</dc:creator>
<dc:date>2019-04-05T00:55:30Z</dc:date>
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<title>Re: What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21998#M24
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<P>Look into Financial Peace University. They have a website where you can get great information and resources. First thing, pay off your debt. Budget for every dollar and account for pocket money (eating out, movies, etc...you may need to cut back in order to pay down debt faster...be disciplined and aggressive). Use the snowball effect. Pay your smallest debt first (lets say it's a department store credit card) and pay the minimum payment on the rest. Once your smallest debt is paid off, roll over the amount you were paying on your department store credit card to the next smallest debt on top of the minimum balance. Remember that every dollar counts. Look for ways to save and use that money to pay off debt. Once your debt is paid off then begin to save aggressively. During this time, do your research on the housing market and decide where you would like to buy. Find out what you can actually afford (not what you "qualify" for which is usually much higher then what people can actually afford). Factor in the % you would need to put down to get the monthly mortgage payment that you can afford. Factor in HOA fees, maintenance and all other bills that come with owning your home. Always aim to have at least $2,000 - $4,000 in a savings account for emergencies. Good luck!</P>
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<pubDate>Fri, 05 Apr 2019 08:58:56 GMT</pubDate>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/21998#M24
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<dc:creator>rbonilla</dc:creator>
<dc:date>2019-04-05T08:58:56Z</dc:date>
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<title>Re: What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22128#M25
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<P>All good advice.&nbsp; I am in the pay down debt group.</P><P>You cant get ahead if you are paying 12%, 14%, 18$, or worse 24% interest!</P><P>Pay down that debt and you just MADE 12%, 14%, 18% or 24% interest!</P><P>Then take the money you WERE using to pay that monster and have it automatically deducted from your bank account monthly and deposited into a no load mutual fund, my favorite something like the Fidelity Contrafund, or a mix of Large Cap and Small Cap aggressive growth funds.&nbsp; I am assuming you are under 50.&nbsp; You are smart to realize doing this will be good for your financial well being in the long run.&nbsp; Good Luck!</P>
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<pubDate>Sat, 06 Apr 2019 19:10:11 GMT</pubDate>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22128#M25
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<dc:creator>SteveL</dc:creator>
<dc:date>2019-04-06T19:10:11Z</dc:date>
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<title>Re: What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22538#M26
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<P>All great advice here! &nbsp;Paying down your debt will raise your credit score. &nbsp;Live very frugally, for instance, we're mostly vegetarian due to bills, esp this month. &nbsp;Our credit score is 800+. &nbsp;The higher your credit score, the lower the interest rates on housing loans. &nbsp;A lot of major banks (Chase, etc), have a way of checking your credit score whenever you want without credit score penalties. &nbsp;If you don't have that I think you can sign up for Credit Journey which is by transamerica &amp; you can get your score. &nbsp;GL!</P>
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<pubDate>Tue, 09 Apr 2019 16:31:41 GMT</pubDate>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22538#M26
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<dc:creator>Ruthlilycat</dc:creator>
<dc:date>2019-04-09T16:31:41Z</dc:date>
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<title>Re: What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22733#M27
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<P>First, have an emergency fund. Afterwards, consider the fact the stock market will get you 6-10% with index funds or blue chip technology stocks (Microsoft, Apple, Amazon, Google; Facebook might be good as well, since it recently took a decent tumble). So, anything that costs you more than 6-10% you need to pay off first (credit card debt), anything below 6-10% you should just pay on schedule (if you have an auto at 3%, that's very cheap money, doesn't make sense to pay faster than the schedule), so take whatever remains after the high interest loans are paid and put the money in the market.</P>
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<pubDate>Wed, 10 Apr 2019 20:38:06 GMT</pubDate>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/22733#M27
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<dc:creator>black mamba</dc:creator>
<dc:date>2019-04-10T20:38:06Z</dc:date>
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<title>Re: What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/23665#M28
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<P>1. Pay off the credit cards then the student loans. If you have balances on multiple cards, pay off the one with the smallest balance first so you feel the progress. Then....</P><P>2. Build an emergency fund, shoot for 6 to 8 months of expenses. No job is safe in this economy. Then....</P><P>3. Start building wealth. Like saving for the house. Find a house you can afford without living in poverty for everything else. Worst house in the neighborhood you want to live in and then put some sweat equity into it. Especially if you have handy friends and family. Investments are good, too.&nbsp;</P><P>&nbsp;</P><P>I use an app called YouNeedABudget.com. It is an online checkbook AND budgeting tool. It was the only app I could find in 2016 that did both. There may be others now, but I've found no reason to change.&nbsp;</P><P>&nbsp;</P><P>Happy adulting!</P>
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<pubDate>Mon, 15 Apr 2019 04:46:32 GMT</pubDate>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/23665#M28
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<dc:creator>DogzRMe</dc:creator>
<dc:date>2019-04-15T04:46:32Z</dc:date>
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<title>Re: What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/23668#M29
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<description>S</description>
<pubDate>Mon, 15 Apr 2019 04:57:35 GMT</pubDate>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/23668#M29
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<dc:creator>Kaysmama22</dc:creator>
<dc:date>2019-04-15T04:57:35Z</dc:date>
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<title>Re: What should I do with my refund?</title>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/24156#M30
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<P>I concur with all the above advice with one exception:</P><P>&nbsp;</P><P>I would pay off debt before I buy stocks, mutual finds or ETF’s. Why?</P><P>As Steve L noted, if you pay off a loan with 18% interest, you have effectively earned a guaranteed 18% return. You have no such guarantee in the financial markets. Once all credit card and installment debt (car loan) is paid, I would save for a down payment on a home.</P><P>&nbsp;</P><P>Also as noted above, you should balance a 6-12 month emergency fund with paying off your debt.</P><P>&nbsp;</P><P>Finally, I would deploy savings in an internet bank. As of today, one can earn over 2% in an internet bank such as American Express. and CITI.</P><P>&nbsp;</P><P>Good job everyone!<BR />Marketstar</P>
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<pubDate>Fri, 19 Apr 2019 18:42:29 GMT</pubDate>
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https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/24156#M30
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<dc:creator>marketstar99</dc:creator>
<dc:date>2019-04-19T18:42:29Z</dc:date>
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<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/24184#M31
</link>
<description>
<P>Invest &amp; pay debt with your paycheck &amp; enjoy your refund... everybody could use a mental break and your refund is good for that.&nbsp;</P>
</description>
<pubDate>Sat, 20 Apr 2019 12:52:21 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/24184#M31
</guid>
<dc:creator>razz12</dc:creator>
<dc:date>2019-04-20T12:52:21Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/25085#M32
</link>
<description>Spend it on food on lunch break.</description>
<pubDate>Mon, 13 May 2019 15:35:07 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/25085#M32
</guid>
<dc:creator>Charlesincharge</dc:creator>
<dc:date>2019-05-13T15:35:07Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/25516#M33
</link>
<description>
<P>Pay &amp; Invest&nbsp;<BR />To save money , paying off the debt to avoid wasting interest.<BR />Make a plan to save a portion money investment to earn interest.</P>
</description>
<pubDate>Fri, 24 May 2019 03:21:03 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/25516#M33
</guid>
<dc:creator>jeffguarino</dc:creator>
<dc:date>2019-05-24T03:21:03Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/28714#M34
</link>
<description>Good</description>
<pubDate>Fri, 31 May 2019 18:30:33 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/28714#M34
</guid>
<dc:creator>Brandi0720</dc:creator>
<dc:date>2019-05-31T18:30:33Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/815657#M36
</link>
<description>
<P>What should I do with my refund.&nbsp; Currently put into cd</P>
</description>
<pubDate>Mon, 17 Jun 2019 17:21:04 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/815657#M36
</guid>
<dc:creator>goofuseas</dc:creator>
<dc:date>2019-06-17T17:21:04Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/950481#M71
</link>
<description>
<P>The first thing you should do is change your W2 so you don't let the government keep your money. Dave Ramsey's plan works well. Follow it for success.</P>
</description>
<pubDate>Mon, 04 Nov 2019 03:24:14 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/950481#M71
</guid>
<dc:creator>flstcdav</dc:creator>
<dc:date>2019-11-04T03:24:14Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/983078#M77
</link>
<description>
<P>I am loving this thread of comments. I got myself into a lot of debt, and am (thank goodness) super close to having it all paid off. I have less than 2k left to pay and am planning on paying it off with my refund, because I too would like to buy a house in a few years, not only will this get me out of debt but it will get my credit score back on track. The plan is to pay off the debt then put the rest into a savings account of some sort.&nbsp;</P>
</description>
<pubDate>Tue, 14 Jan 2020 18:48:04 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/983078#M77
</guid>
<dc:creator>kburton7813</dc:creator>
<dc:date>2020-01-14T18:48:04Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/992240#M78
</link>
<description>
<P>Congratulations on taking your finances in the right direction by paying down your debt,</P><P>&nbsp;</P><P>Your next consideration should be to build and maintain 6-12 months’ worth of living expense in the form of a money market fund or bank savings to cover a possible job loss and/or unexpected expenses.</P><P>&nbsp;</P><P>You can currently earn more interest income in an internet bank such as American Express (1.7%) than a conventional “bricks and mortar”bank.<BR />See <A href="https://www.americanexpress.com/personalsavings/home.html" target="_blank">https://www.americanexpress.com/personalsavings/home.html</A></P><P><BR />Good luck,<BR />Markestar</P>
</description>
<pubDate>Sun, 19 Jan 2020 21:38:05 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/992240#M78
</guid>
<dc:creator>marketstar99</dc:creator>
<dc:date>2020-01-19T21:38:05Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/998441#M80
</link>
<description>
<P>CJackson: I totally agree with you. It's comparable to a dog chasing it's tail. Until you pay off ALL of your debt you will never be able to enjoy the coins that you work for each week. Just think about it, your boss gets rich from you working at his company while the credit card companies continue to receive their interest payments. Mean while where stuck with the left overs trying to enjoy LIFE in the meantime. A good read is Rich Dad Poor Dad.</P>
</description>
<pubDate>Tue, 21 Jan 2020 22:54:48 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/998441#M80
</guid>
<dc:creator>QO18</dc:creator>
<dc:date>2020-01-21T22:54:48Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1002458#M81
</link>
<description>
<P>This response will be a bit different BUT what I did last year with mine was buy things I could flip. Purchased an $800 vehicle that I flipped for $4800, Purchased a $4000 vehicle with that and sold it for $6200. I probably could have kept going but tue patience it took to find the right vehicle was to much for me. My point being invest what you have into guaranteed money if possible. If not take the safe route and Robo Invest. It's worked for me so far!</P>
</description>
<pubDate>Wed, 22 Jan 2020 22:39:38 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1002458#M81
</guid>
<dc:creator>AdrianH53</dc:creator>
<dc:date>2020-01-22T22:39:38Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1004321#M82
</link>
<description>
<P>I definitely agree that you're going to want to pay down your debt first! Having debt brings your credit score down, which in turn will make it harder for you to get a good mortgage interest rate when you buy a house at some point. For your refund, the specific allocation percentage I'd recommend will depend on 1) what the balance of your credit card debt is, 2) how much your refund is, and 3) how much of an emergency savings you have, but I would probably recommend paying 80% of your refund toward the credit card debt, and 20% of your refund into a high-interest online savings account as an emergency fund (look for at least 2% interest). Then, make a budget of your monthly expenses and make a plan for how you'll allocate the portion of your income that exceeds those expenses.</P><P>&nbsp;</P><P>I would recommend the following "order of operations," adapted from Dave Ramsey's Financial Peace University, for where you allocate your savings each month:</P><P>0) If your company offers a <STRONG>401k with a company match</STRONG>, and you aren't enrolled already, sign up immediately. This will ensure you're saving for retirement and also gives you extra income for free! Do this even before you pay off any debt, because while you may be paying 20% interest on that credit card right now, the 401k match is a 50% or 100% "interest rate" in terms of return on investment (depending on what percent your employer matches)! If your company doesn't offer a 401k, ignore this step for now.</P><P>1) <STRONG>Save a $1000 emergency fund in a high-interest savings account</STRONG>, and leave it there. Only use it if an emergency occurs, to prevent yourself from taking on more debt.</P><P>2) Next, <STRONG>pay down all your debt--both the credit card and the car loan</STRONG>. Put everything you save each month (after you have the $1000 emergency fund) toward paying these off ASAP, because otherwise you're paying a lot more interest than you otherwise need to!</P><P>3) After you're debt free, <STRONG>switch back to saving into your emergency fund and aim to increase it to at least 3x your monthly expenses</STRONG>. This way, if you are ever between jobs or have healthcare copays and deductibles that add up, you won't have to go back to credit card debt.</P><P>4) Once you're debt free and have at least a 3-month emergency fund, <STRONG>start saving for a down payment on a house</STRONG>. If you have a good credit score (which the above steps will ensure!) then you only need a minimum of 10% down on a house for a good interest rate.</P><P>5) Once you have your house (congrats!), <STRONG>start putting more money into a Roth retirement investment account--at least 15% of your gross income each year</STRONG>. If your employer offers a 401k match, you're already contributing to it (see Step 0). For example, if you're currently putting 10% of your income into your 401k, then now is the time to bring your total retirement savings rate up to 15% by putting at least 5% of your income into a Roth IRA. I highly recommend opening your Roth IRA with a low-cost index fund, like Vanguard's S&amp;P 500 Index.</P><P>&nbsp;</P><P>Good luck!</P>
</description>
<pubDate>Thu, 23 Jan 2020 14:57:14 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1004321#M82
</guid>
<dc:creator>ajones</dc:creator>
<dc:date>2020-01-23T14:57:14Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1006801#M83
</link>
<description>
<P>For years I allow myself to get further into debt. Then tax returns come and I have to decide which debt to apply it to. Getting out of debt is one of the hardest self controls of life. Just stop buying stuff I tell myself. Just stop going out to lunch at work, I keep telling myself. I want this I want that, but later when I <U>need</U> this and I <U>need</U> that, I am deep into a stressful hole. Just pay off debt, stop adding to it, and find a way to save something even if it’s $5 when you can....&nbsp;</P>
</description>
<pubDate>Thu, 23 Jan 2020 22:48:12 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1006801#M83
</guid>
<dc:creator>November737</dc:creator>
<dc:date>2020-01-23T22:48:12Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1015344#M84
</link>
<description>
<P>Great ideas.&nbsp; HOWEVER, take a portion and do something nice for yourself.&nbsp; It does not have to be a large amount.&nbsp; Take your loved one(s) to a nice dinner, something that you normally could not afford or would not do because of the cost.&nbsp; It is very important to be financially responsible, but it is equally important to enjoy yourself now.&nbsp; It will make a great memory and help everyone relax or reduce their stress.</P>
</description>
<pubDate>Sun, 26 Jan 2020 00:50:47 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1015344#M84
</guid>
<dc:creator>GreggS</dc:creator>
<dc:date>2020-01-26T00:50:47Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1044097#M88
</link>
<description>
<P><LI-USER uid="70567"></LI-USER>&nbsp;Concerning the Acorns app, are you able to withdraw your funds, or are they locked in for a certain period of time?</P>
</description>
<pubDate>Thu, 30 Jan 2020 14:15:50 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1044097#M88
</guid>
<dc:creator>Amiller508317</dc:creator>
<dc:date>2020-01-30T14:15:50Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1045565#M89
</link>
<description><P>Thanks for the great ideas</P></description>
<pubDate>Thu, 30 Jan 2020 18:26:16 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1045565#M89
</guid>
<dc:creator>qthaballa</dc:creator>
<dc:date>2020-01-30T18:26:16Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1049617#M90
</link>
<description>
<P>You should use it to upgrade part of your house. For example last year I spent mine redoing the master bedroom closets, and this year I'm getting new counter tops in my kitchen. That way, you're adding value to something you own, and getting something you can enjoy relatively soon <span class="lia-unicode-emoji" title=":slightly_smiling_face:">🙂</span>&nbsp;</P>
</description>
<pubDate>Fri, 31 Jan 2020 02:31:29 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1049617#M90
</guid>
<dc:creator>nickytea</dc:creator>
<dc:date>2020-01-31T02:31:29Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1050335#M91
</link>
<description>
<P>Tally one more vote for debt-payment. It’s a no-brainer to me. My opinions on the subject have already been noted... but I would like to add:<BR /><BR /></P><P>Microsoft Excel has been a BIG part of helping me with my finances. I started using a spreadsheet of my own design about five years ago. I calculate my paycheck with it. I list EACH and EVERY recurring payment that I make. I take about 20 minutes each week to review every purchase I make, enter the amount in my spreadsheet, and then track what my balance will be throughout the year (even predict if I’m overdrawing myself months in advance).&nbsp;<BR /><BR /></P><P>I’ve found that, going through the motion of building this spreadsheet, updating it, and building little side-sheets with the data (retirement, debt payoff goals, future taxes, etc), I have a REALLY strong grasp on My finances. Anyone that’s completed high school algebra can do it too!&nbsp;<BR /><BR /></P><P>Good Luck!!!&nbsp;</P>
</description>
<pubDate>Fri, 31 Jan 2020 04:20:06 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1050335#M91
</guid>
<dc:creator>McSquishy</dc:creator>
<dc:date>2020-01-31T04:20:06Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1059093#M93
</link>
<description>
<P><LI-USER uid="71060"></LI-USER>I see this advice a lot and its not really good advice. Paying all your debts and being debt free is rarely a good idea. While some debts should be paid as fast as possible it depends on the interest rate. If I have a lone that is costing me 4% a year then it is only a good idea to pay it off as fast as possible if I can't put that money into something that pays me 4.01%+. Debt isn't a bad thing so long as you are still living within your means.<BR /><BR />I also see this a lot with people buying homes and deciding to go for shorter mortgages so that it's payed off faster and then are unable to ever properly save. &nbsp;</P>
</description>
<pubDate>Sat, 01 Feb 2020 07:58:24 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1059093#M93
</guid>
<dc:creator>LughC</dc:creator>
<dc:date>2020-02-01T07:58:24Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1059969#M94
</link>
<description><P>Cocaine and Hookers</P></description>
<pubDate>Sat, 01 Feb 2020 15:33:57 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1059969#M94
</guid>
<dc:creator>xXMagicalJewXx</dc:creator>
<dc:date>2020-02-01T15:33:57Z</dc:date>
</item>
<item>
<title>
How do prevent someone from intercepting my tax returns on another card
</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/how-do-prevent-someone-from-intercepting-my-tax-returns-on-another-card/01/1061347#M95
</link>
<description/>
<pubDate>Sat, 01 Feb 2020 19:13:53 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/how-do-prevent-someone-from-intercepting-my-tax-returns-on-another-card/01/1061347#M95
</guid>
<dc:creator>Jpmccurry523</dc:creator>
<dc:date>2020-02-01T19:13:53Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1068298#M96
</link>
<description>
<P>Pay off your high interest credit card forst.</P>
</description>
<pubDate>Sun, 02 Feb 2020 20:47:09 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1068298#M96
</guid>
<dc:creator>mangos2001</dc:creator>
<dc:date>2020-02-02T20:47:09Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1068319#M97
</link>
<description>
<P>Pay off your high interest credit card first.&nbsp;</P>
</description>
<pubDate>Sun, 02 Feb 2020 20:50:07 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1068319#M97
</guid>
<dc:creator>mangos2001</dc:creator>
<dc:date>2020-02-02T20:50:07Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1084294#M98
</link>
<description>
<P>I corrected it the last time I made 18,475.00 in Rhode Island and 1700 and whatever it says there for MassachusettsAnd also made me $730 or whatever it says that I corrected my stuff because the picture I mean my text thing is wrong it’s not set up right it says 18,000 in every one but so I followed the directions the first time and then if I realize something was wrong</P>
</description>
<pubDate>Tue, 04 Feb 2020 20:26:13 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1084294#M98
</guid>
<dc:creator>Arruda1</dc:creator>
<dc:date>2020-02-04T20:26:13Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1087457#M99
</link>
<description>
<P>Why not get a CD loan? I'm using an app called self, lender and how it works is you pay a certain amount (I'm doing the $25 a month plan) and after a year or 2 you get almost all your money back. All the while you are saving and building credit at the same time. Before I even made a single payment my score went up 11 points.</P>
</description>
<pubDate>Wed, 05 Feb 2020 02:03:08 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1087457#M99
</guid>
<dc:creator>Littleblue</dc:creator>
<dc:date>2020-02-05T02:03:08Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1101646#M100
</link>
<description/>
<pubDate>Thu, 06 Feb 2020 23:03:43 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1101646#M100
</guid>
<dc:creator>Noeljohnson50</dc:creator>
<dc:date>2020-02-06T23:03:43Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1103371#M101
</link>
<description><P>I'm paying off my credit card</P></description>
<pubDate>Fri, 07 Feb 2020 03:00:53 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1103371#M101
</guid>
<dc:creator>Cajuncool</dc:creator>
<dc:date>2020-02-07T03:00:53Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1109169#M102
</link>
<description>
<P>Work on being debt free! Don’t do it too fast though, large payments drive your credit score down, which totally baffles me. Who put these people in charge anyway.&nbsp;</P>
</description>
<pubDate>Fri, 07 Feb 2020 23:06:10 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1109169#M102
</guid>
<dc:creator>Ripp</dc:creator>
<dc:date>2020-02-07T23:06:10Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1110892#M103
</link>
<description><P>mail it to me</P></description>
<pubDate>Sat, 08 Feb 2020 03:15:25 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1110892#M103
</guid>
<dc:creator>gravedancer33</dc:creator>
<dc:date>2020-02-08T03:15:25Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1123123#M104
</link>
<description>
<P>First, you could use a free tax calculator/refund estimate. (Intuit has one:&nbsp;<A href="https://turbotax.intuit.com/tax-tools/calculators/taxcaster/" target="_blank" rel="noopener">https://turbotax.intuit.com/tax-tools/calculators/taxcaster/</A>). I find it helpful to focus on a number versus an unquantifiable variable.</P><P>&nbsp;</P><P>Then split the amount in a way that is most meaningful to you BEFORE you get the check. I would suggest 50% into debt, 40% into your savings account and bucket the amount as "down payment" money, then 10% to charity (write it off for a potentially larger refund next year!)</P><P>&nbsp;</P><P>Hope this was meaningful to you.</P>
</description>
<pubDate>Mon, 10 Feb 2020 02:49:00 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1123123#M104
</guid>
<dc:creator>reynoldscf95</dc:creator>
<dc:date>2020-02-10T02:49:00Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1123454#M106
</link>
<description>
<P>I would check out Dave Ramsey and take financial peace university.</P>
</description>
<pubDate>Mon, 10 Feb 2020 03:45:51 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1123454#M106
</guid>
<dc:creator>Kreger31</dc:creator>
<dc:date>2020-02-10T03:45:51Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1125494#M107
</link>
<description>
<P>First of all, a refund isn't "found money", it is an interest free loan you've given to the government for the past year.</P><P>Step 1- adjust your withholdings so next year you get as little as possible back in refund.&nbsp; That will mean you get more every month in your paychecks.</P><P>Step 2- set aside $1,000 into a savings account for emergencies.&nbsp; This will help you not rely on credit cards or create debt when an emergency situation arises.</P><P>Step 3- pay off your debts! If all you have is a car payment, put everything remaining from your refund onto your car loan.&nbsp; If you have credit cards as well, pay those off.&nbsp; Whatever is the smallest balance is what you should pay off first.&nbsp; So when that is paid off you can throw whatever the monthly payment was for that debt plus any extra you have onto the next smallest balance.</P><P>&nbsp;</P><P>Best of luck.</P>
</description>
<pubDate>Mon, 10 Feb 2020 16:28:51 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1125494#M107
</guid>
<dc:creator>DebtfreeJourney</dc:creator>
<dc:date>2020-02-10T16:28:51Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1134704#M109
</link>
<description>
<P>This year I am getting around 2,700 back in my refund and this is how I am going to spend it:</P><UL><LI>Extra $1,000 payment to student loans</LI><LI>Extra $1,000 to "emergency fund" savings</LI><LI>$700 into my fun savings-- where I am saving for a vacation at the end of the year</LI></UL><P>&nbsp;</P><P>If you don't do something fun with a portion, it can be hard in my experience to motivate myself to do something "responsible" with the rest.&nbsp;<BR /><BR />Hope this helps you figure your refund plan out!!</P>
</description>
<pubDate>Tue, 11 Feb 2020 18:40:57 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1134704#M109
</guid>
<dc:creator>saniam</dc:creator>
<dc:date>2020-02-11T18:40:57Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1153801#M111
</link>
<description>
<P>I have my savings in a cert with a 3.50 APY, would you say that's good? Can you explain what you recommended he invest his money in?</P>
</description>
<pubDate>Fri, 14 Feb 2020 17:18:05 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1153801#M111
</guid>
<dc:creator>leugimseyer07</dc:creator>
<dc:date>2020-02-14T17:18:05Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1153888#M112
</link>
<description>
<P>Pay off credit card debt first, then build up a savings account of at least a month or two's worth of your expenses. Also make sure you're not using more than 1 credit card regularly, and leave the rest somewhere secured at home to just use every now and again (ideally, just often enough to keep the accounts active.) Doing these things has made my life infinitely less stressful.</P>
</description>
<pubDate>Fri, 14 Feb 2020 17:31:30 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1153888#M112
</guid>
<dc:creator>Rouca</dc:creator>
<dc:date>2020-02-14T17:31:30Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1160471#M115
</link>
<description>
<P><LI-USER uid="812729"></LI-USER>&nbsp; Totally agree with your advice!</P>
</description>
<pubDate>Sat, 15 Feb 2020 20:03:41 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1160471#M115
</guid>
<dc:creator>BlueP</dc:creator>
<dc:date>2020-02-15T20:03:41Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1162801#M116
</link>
<description><P>What Jew, durin???</P></description>
<pubDate>Sun, 16 Feb 2020 02:39:25 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1162801#M116
</guid>
<dc:creator>Tilleylives</dc:creator>
<dc:date>2020-02-16T02:39:25Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1197399#M119
</link>
<description>
<P>This is exactly what I’ll be doing with mine.</P>
</description>
<pubDate>Fri, 21 Feb 2020 00:40:35 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1197399#M119
</guid>
<dc:creator>SagkingTarius</dc:creator>
<dc:date>2020-02-21T00:40:35Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1205422#M121
</link>
<description>
<P>You have a few debts; if you get a tax refund, it might pay you more to pay down your debts. If you owe less than you get back, pay off your credit card debt and play down your car loan. You will save long term, on the interest rate. &nbsp;Always look at the interest you’re making on any saving verse what you will pay on interest on your debt. &nbsp;Your debts charge you more than your savings pay you, always pay your debts before you save.&nbsp;<BR />I hope this is useful.</P>
</description>
<pubDate>Sat, 22 Feb 2020 01:35:34 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1205422#M121
</guid>
<dc:creator>Debyou</dc:creator>
<dc:date>2020-02-22T01:35:34Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1248412#M130
</link>
<description><P>482</P></description>
<pubDate>Fri, 28 Feb 2020 19:09:45 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1248412#M130
</guid>
<dc:creator>Cand567</dc:creator>
<dc:date>2020-02-28T19:09:45Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281092#M134
</link>
<description>
<P>I've never got a refund till this year and I'm still waiting for it thinking about what I can buy I'm gunna get a truck and take care of my credit I've already been working with Lexington law and I can tell u this they have already got my debt from almost $ 2.600 in medical bills to 800 and too my credit scores way up and it's super affordable for anyone with a job bro. Best phone call I ever made and they got payment plans I only paid like 65 bucks a month for them to fix my credit report and my debit lol hell yeah I'm going to do that and when I lost my job they stayed on my case for like 10 bucks a month but r there worth more than what ur paying for and everytime they fix something on ur debt I got a notification that my credit score went up. In 3 months of **bleep**in with Lexington law my score has gone up 30 or 40 points but they got rid of over almost 2000 dollars in medical bills I don't have money for lol anyone looking to get ur credit and debt in order call Lexington law hopefully I don't get in trouble for putting their name out there like this but if it helps anyone looking for help these r the people who can do it&nbsp;</P>
</description>
<pubDate>Fri, 06 Mar 2020 07:01:57 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281092#M134
</guid>
<dc:creator>Charliebrown31488</dc:creator>
<dc:date>2020-03-06T07:01:57Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281102#M135
</link>
<description>
<P>I'm ju curious about the acorn app can u elaborate on how it works a little more for me. As in do u lose money if you have the wrong investment or is it all kinda making money on a small scale for a person who wants to start learning how to invest? Just let me know if u can please and thank you.&nbsp;</P>
</description>
<pubDate>Fri, 06 Mar 2020 07:10:01 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281102#M135
</guid>
<dc:creator>Charliebrown31488</dc:creator>
<dc:date>2020-03-06T07:10:01Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281107#M136
</link>
<description>
<P>How do you have a account and have money grow without putting money into it. I'll be putting money into it but I hope you understand the question what type of account I guess would be a better question but either way I'd like to hear from you please and thank you.</P>
</description>
<pubDate>Fri, 06 Mar 2020 07:15:22 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281107#M136
</guid>
<dc:creator>Charliebrown31488</dc:creator>
<dc:date>2020-03-06T07:15:22Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281138#M137
</link>
<description>
<P>That's great advice thanks but a little faster way to get ur debt and credit in order a little faster and it's honestly cheaper than aggressive saving and u got help to deal with the debt.&nbsp;&nbsp;</P><P>&nbsp;Lexington law I paid like 70 bucks a month for them in 3 months to bring my to bring my credit score up almost 50 points and got rid of almost 2000 dollars in past medical bills I couldn't afford to pay when I was homeless. Look at me now only 800 left in debt and I get notified when my credit score goes up or down but I lost my job but they kept on my case for 10 bucks a month to monitor my credit score case and score I'm about to start paying them as soon as I get my income tax return and let them start working on it again their the best at what they do no lie and I don't like **bleep**in with anyone who gets my money for doing something I can't see but I can tell you now you will have a better score and get to see it and ur debt dissapear within the first month to 2 months no lie they start working the minute u give them a 15 dollar payment I think it was or some **bleep** but I didn't think it was gunna make a difference until I started seeing my credit score going up after the first 40 days I was up like 5 points then 11 points like a few days later no lie they don't play when it comes to getting ur **bleep** in order without u having to do anything but pay them and when u get the notification check out ur debt and credit score and I guarantee you wont be sry u made the call sry thr message is so long but I have to let people know when I hear about how they can get their debts down and credit up well this is the fastest way I know of but u can't b out spending like a **bleep**tard on ur credit cards because someone is going to help dispute ur debt lol b smart about everything u buy if you don't have&nbsp; the cash for it right now bro you don't need it. My dad always told me that and that's y I don't have credit cards debt just medical bills lol no insurance lmfaoo hard times but I'm living a decent life now I don't want for anything and nor does my daughter but if I see something I want and don't have the money right now for it I'll save and rat hole&nbsp; my money that's how my dad got everything he has today. A beautiful house badass oldschool cars we built anything he wants he can have cause he did what I'm telling you to do right now. Think about what you want and by next year if u follow this little plan and be a hard working mother**bleep**er u will have anything you want I have seen it and I am doing it now with my life no lie.&nbsp;</P>
</description>
<pubDate>Fri, 06 Mar 2020 07:52:23 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281138#M137
</guid>
<dc:creator>Charliebrown31488</dc:creator>
<dc:date>2020-03-06T07:52:23Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281142#M138
</link>
<description>
<P>I'm curious to know more about how this works please message me back so I can figure out how to make my money work for me like u do. Please and thank you I look forward to hopefully hearing from you&nbsp;</P>
</description>
<pubDate>Fri, 06 Mar 2020 07:55:50 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281142#M138
</guid>
<dc:creator>Charliebrown31488</dc:creator>
<dc:date>2020-03-06T07:55:50Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281145#M139
</link>
<description>
<P>Just curious to know how did u get and have a 800+ credit score just wanted to know how I can get there with you please and thank you looking forward to hopefully hearing from you again thanks for the post and advice&nbsp;</P>
</description>
<pubDate>Fri, 06 Mar 2020 08:00:21 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281145#M139
</guid>
<dc:creator>Charliebrown31488</dc:creator>
<dc:date>2020-03-06T08:00:21Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281165#M140
</link>
<description>
<P>Paying for your car or any auto you have sooner than it can be paid for is always a benefit because they don't make interest on your payments lol and it's looks great on your credit report when your payments are early or paid off sooner than they are supposed to be looks great but the catch 22 about doing that is places like banks who make their money off of your loan payments see that you pay off your loan early or they see that you pay your loan off faster than expected they are not going to be willing to give you the money you want because you're financially responsible about your money and how you spend it anything you put money into you should make sure you can always get your money back for what you got or a little more nothing wrong with making money on a deal being able to pay for what you owe and still have money for whatever you see and might just want its not a problem cause everything you have is paid for and anything you want you can afford cause they don't have a problem giving you the money cause how you pay the loan off that's why it benefits you to pay off anything no matter how much it is a month if you have the extra money spend it on the stuff you're buying not the stuff you think you want lol no lie&nbsp;</P>
</description>
<pubDate>Fri, 06 Mar 2020 08:23:09 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281165#M140
</guid>
<dc:creator>Charliebrown31488</dc:creator>
<dc:date>2020-03-06T08:23:09Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281170#M141
</link>
<description>
<P>If you first off pay off your debt y save up emergency funds for debt that you just paid off lol r u planning on going back into debt lol no offense just asking.</P>
</description>
<pubDate>Fri, 06 Mar 2020 08:33:48 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1281170#M141
</guid>
<dc:creator>Charliebrown31488</dc:creator>
<dc:date>2020-03-06T08:33:48Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1303991#M143
</link>
<description>
<P>Why is my **bleep**ing refund so low this year I should have 4000 why in the hell I just got 500 back wtf is this</P>
</description>
<pubDate>Wed, 11 Mar 2020 14:40:19 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1303991#M143
</guid>
<dc:creator>Lilcee</dc:creator>
<dc:date>2020-03-11T14:40:19Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1304014#M144
</link>
<description>
<BLOCKQUOTE><HR /><LI-USER uid="954208"></LI-USER>&nbsp;wrote:<BR /> <P>Why is my **bleep**ing refund so low this year I should have 4000 why in the hell I just got 500 back wtf is this</P> <HR /></BLOCKQUOTE> <P>The federal tax refund and the state tax refund are sent separately.</P> <P>If you received the federal tax refund then go to this IRS website for federal tax refund FAQ's -&nbsp;<A href="https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions" target="_blank">https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions</A></P> <P>&nbsp;</P> <P><EM><STRONG>Why is my refund different than the amount on the tax return I filed?</STRONG></EM><BR /><EM>All or part of your refund may have been used (offset) to pay off past-due federal tax, state income tax, state unemployment compensation debts, child support, spousal support, or other federal nontax debts, such as student loans. To find out if you may have an offset or if you have questions about an offset, contact the agency to which you owe the debt.</EM></P> <P><EM><STRONG>We also may have changed your refund amount because we made changes to your tax return. You’ll get a notice explaining the changes</STRONG>.&nbsp;<A title="¿Dónde está mi reembolso? - Es rápido, fácil y seguro" href="https://www.irs.gov/refunds" data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="a30296cc-6e05-4dd1-931f-6ccf40afa66e" target="_blank">Where’s My Refund?</A>&nbsp;will reflect the reasons for the refund offset when it relates to a change in your tax return.</EM></P> <P><EM><A title="Tax Topic 203 - Refund Offsets for Unpaid Child Support, Certain Federal and State Debts, and Unemployment Compensation Debts" href="https://www.irs.gov/taxtopics/tc203" data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="a5f0e912-890a-4283-b745-6ab5ae4a76e4" target="_blank">Tax Topic 203 - Refund Offsets for Unpaid Child Support, Certain Federal and State Debts, and Unemployment Compensation Debts</A>&nbsp;has more information about refund offsets.</EM></P>
</description>
<pubDate>Wed, 11 Mar 2020 14:45:29 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1304014#M144
</guid>
<dc:creator>DoninGA</dc:creator>
<dc:date>2020-03-11T14:45:29Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1317853#M148
</link>
<description><P>Pay off some my bills.</P></description>
<pubDate>Sun, 15 Mar 2020 00:59:57 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1317853#M148
</guid>
<dc:creator>marlene dixon</dc:creator>
<dc:date>2020-03-15T00:59:57Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1317867#M149
</link>
<description><P>pay my bills.&nbsp; think GOD.</P></description>
<pubDate>Sun, 15 Mar 2020 01:03:48 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1317867#M149
</guid>
<dc:creator>marlene dixon</dc:creator>
<dc:date>2020-03-15T01:03:48Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1322380#M150
</link>
<description>
<P>Get rid of that cc debt for sure. You’ll enjoy the breathing room.</P>
</description>
<pubDate>Mon, 16 Mar 2020 07:10:30 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1322380#M150
</guid>
<dc:creator>LeoL1209</dc:creator>
<dc:date>2020-03-16T07:10:30Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1322797#M152
</link>
<description><P>send me a check</P></description>
<pubDate>Mon, 16 Mar 2020 14:16:14 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1322797#M152
</guid>
<dc:creator>gravedancer33</dc:creator>
<dc:date>2020-03-16T14:16:14Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1323395#M153
</link>
<description><P>I will on my bills, thank GOD.</P></description>
<pubDate>Mon, 16 Mar 2020 16:20:35 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1323395#M153
</guid>
<dc:creator>marlene dixon</dc:creator>
<dc:date>2020-03-16T16:20:35Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1323398#M154
</link>
<description><P>I will pay my bills, thank GOD.</P></description>
<pubDate>Mon, 16 Mar 2020 16:22:31 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1323398#M154
</guid>
<dc:creator>marlene dixon</dc:creator>
<dc:date>2020-03-16T16:22:31Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1388461#M159
</link>
<description>
<P>1) Pay Rent&nbsp;</P><P>2) Pay Utilities</P><P>3) Pay any Credit Card Bills</P><P>4) Pay any Healthcare Bills</P><P>5) Save towards Emergency Fund - Figure out what 6 months of your living costs are and put it aside in a different bank account that you never touch</P><P>6) Max out your Retirement Accounts</P><P>&nbsp;</P><P>&nbsp;</P>
</description>
<pubDate>Tue, 31 Mar 2020 21:27:46 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1388461#M159
</guid>
<dc:creator>Toasterovenproblems</dc:creator>
<dc:date>2020-03-31T21:27:46Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1391878#M160
</link>
<description>
<P>Here’s what works for me:<BR />Do not associate pieces of income with particular expenses. Just add up all income for all sources and make a plan for what you’re going to do with all that money. Every month has irregular income from rebates, OT, tax refund etc, and every month has irregular expenses. It’s easier to <STRONG>add up all the incomes into one number</STRONG> and then decide what to do with that entire amount.<BR />Write down the simple plan of how to spend your money because if it has more than a few items it’s hard for your brain to store it. Your brain should be used a) to think up creative ways to get the things you want with limited money and time and b) ways to make more money. Your brain is much less effective than paper at keeping track of lists.</P>
</description>
<pubDate>Wed, 01 Apr 2020 17:12:11 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1391878#M160
</guid>
<dc:creator>cgervasi</dc:creator>
<dc:date>2020-04-01T17:12:11Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1399159#M161
</link>
<description>
<P>I wish I had a refund, mine is never sent, you would think all you do the IRS world would at least give you something back. I’m so tired of paying taxes.</P>
</description>
<pubDate>Fri, 03 Apr 2020 00:49:18 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1399159#M161
</guid>
<dc:creator>Jimmyev23</dc:creator>
<dc:date>2020-04-03T00:49:18Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1399584#M162
</link>
<description>
<P>"<SPAN>mine [refund] never sent"</SPAN></P><P>Do you mean when you fill out your return, it shows you didn't overpay so you don't get a refund?</P><P>Or does your return show a refund, and they don't send it?&nbsp; If that's the case, you should complain.&nbsp; You may be able to get them to send past years' refunds.&nbsp;&nbsp;</P><P>If you're not entitled to one because you didn't overpay, that's a good thing.&nbsp; You don't want to overpay and then have to ask for the excess back.</P>
</description>
<pubDate>Fri, 03 Apr 2020 03:01:39 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1399584#M162
</guid>
<dc:creator>cgervasi</dc:creator>
<dc:date>2020-04-03T03:01:39Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1423761#M165
</link>
<description><P>Invest</P></description>
<pubDate>Wed, 08 Apr 2020 04:20:07 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1423761#M165
</guid>
<dc:creator>Jaguar231</dc:creator>
<dc:date>2020-04-08T04:20:07Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1427886#M166
</link>
<description><P>Save</P></description>
<pubDate>Wed, 08 Apr 2020 23:50:12 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1427886#M166
</guid>
<dc:creator>Sa28</dc:creator>
<dc:date>2020-04-08T23:50:12Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1428826#M167
</link>
<description>
<P>I have a precious 4 year old daughter and we have faught to hell and back to survive a spouse sabotaging jobs, stalking us. forcing us to have to move, withholding child support, hacking into my electronic devices, causing destruction where I stay with little resources. I want to take my tax refund and move away and start again as an artist and paralegal and give her a peaceful life. That's all I want is to not live in fear.&nbsp;</P>
</description>
<pubDate>Thu, 09 Apr 2020 04:27:54 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1428826#M167
</guid>
<dc:creator>mparacca</dc:creator>
<dc:date>2020-04-09T04:27:54Z</dc:date>
</item>
<item>
<title>Using the Refund to Get Away from a Jerk</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/using-the-refund-to-get-away-from-a-jerk/01/1430318#M168
</link>
<description>
<P>That sucks. Your problem is only tangentially related to your refund.&nbsp;</P><P>&nbsp;</P><P>If the refund is big enough to make a difference in your life, they’re withholding too much.&nbsp; You can update your W-4 and get a bigger paycheck and less refund.&nbsp; Then you use that money to follow your dreams and get away from the jerk.&nbsp;</P><P>&nbsp;</P><P>As for the jerk, I would try to let the authorities deal with him.&nbsp; They’re not perfect, but engaging with him emotionally just encourages him.&nbsp; If you don’t react, people will eventually see him for what he is, and he won’t be able to affect your jobs.&nbsp; Find a geek to get him out of your devices, or use a flip-phone temporarily.&nbsp; It’s easier said than done.&nbsp; But in a year you’ll see he’s just another low-life.</P>
</description>
<pubDate>Thu, 09 Apr 2020 15:42:31 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/using-the-refund-to-get-away-from-a-jerk/01/1430318#M168
</guid>
<dc:creator>cgervasi</dc:creator>
<dc:date>2020-04-09T15:42:31Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1498108#M196
</link>
<description>
<P>I would buy a place were we all can live&nbsp;</P>
</description>
<pubDate>Fri, 17 Apr 2020 03:45:23 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1498108#M196
</guid>
<dc:creator>Dasdas123</dc:creator>
<dc:date>2020-04-17T03:45:23Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1500103#M199
</link>
<description><P>Pay all my bills and God</P></description>
<pubDate>Fri, 17 Apr 2020 14:27:59 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1500103#M199
</guid>
<dc:creator>marlene dixon</dc:creator>
<dc:date>2020-04-17T14:27:59Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1536999#M222
</link>
<description>
<P>For some context, I wanna buy a house at some point in my life.</P>
</description>
<pubDate>Sat, 25 Apr 2020 22:26:54 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1536999#M222
</guid>
<dc:creator>LOVEADHD</dc:creator>
<dc:date>2020-04-25T22:26:54Z</dc:date>
</item>
<item>
<title>Buying a House</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/buying-a-house/01/1538722#M224
</link>
<description>
<P>"<SPAN>For some context, I wanna buy a house at some point in my life."</SPAN></P><P><SPAN>This doesn't directly relate to refunds, but it reminds me of how before I bought my first home I thought there was something complicated about it.&nbsp; But it's all about saving money in a savings account until you have enough for a good down payment.&nbsp; I was 22 when I first thought about it.&nbsp; It seemed like forever, but you can save money over time, and it builds up faster than you think because you occasionally get bonuses, OT, odd side jobs, raises, etc.&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>If you're getting a big refund, you can update your W-4 form and increase the number of exemptions so they take less money out of your paycheck and you don't have to ask for it back in the form of a refund.&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>It's odd how felt like there was some complicated theory behind buying a house at age 22.&nbsp; It's just saving money, finding any opportunities to make extra money to save, and watching for a bargain on a house.&nbsp;&nbsp;</SPAN></P>
</description>
<pubDate>Sun, 26 Apr 2020 15:06:53 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/buying-a-house/01/1538722#M224
</guid>
<dc:creator>cgervasi</dc:creator>
<dc:date>2020-04-26T15:06:53Z</dc:date>
</item>
<item>
<title>Re: Buying a House</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-buying-a-house/01/1539761#M225
</link>
<description>
<P>Before you buy a home, do remember to think like an investor.</P><P>&nbsp;</P><P>Ask yourself are there any problems with the house and the neighborhood that would lose a potential buyer's interest.</P><P>&nbsp;</P><P>Doing so could&nbsp; possibly save you a lot of headaches and frustration during ownership and&nbsp; when you try to sell it..</P><P>&nbsp;</P><P>See 30 Questions You MUST&nbsp; Ask Before buying a Home.</P><P><FONT><A href="https://thriftdiving.com/30-questions-to-ask-before-buying-a-house/" target="_blank" rel="noopener">https://thriftdiving.com/30-questions-to-ask-before-buying-a-house/</A></FONT></P><P>&nbsp;</P><P><FONT>Good luck,</FONT></P><P><FONT>Marketstar</FONT></P><P>.</P>
</description>
<pubDate>Sun, 26 Apr 2020 19:19:28 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-buying-a-house/01/1539761#M225
</guid>
<dc:creator>marketstar99</dc:creator>
<dc:date>2020-04-26T19:19:28Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1549012#M240
</link>
<description>
<P>where is all of my refund?</P><P>&nbsp;</P><P>&nbsp;</P>
</description>
<pubDate>Wed, 29 Apr 2020 02:03:50 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1549012#M240
</guid>
<dc:creator>1958ovenbaker</dc:creator>
<dc:date>2020-04-29T02:03:50Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1552438#M242
</link>
<description>
<P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif"><STRONG>It depends.</STRONG>&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">The IRS issues a lot of refunds within 21 days, but it could take longer.&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif"><A href="https://ttlc.intuit.com/community/refund-status/help/when-will-i-get-my-irs-tax-refund/00/25589" target="_blank"><SPAN style="color:null">IRS processing time and refund status</SPAN></A><SPAN style="color:null">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">The online link is your best option to track your refund.&nbsp; I have attached a link with more answers from the IRS as to why your refund may be taking longer to process.</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif"><A href="https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions" target="_blank"><SPAN style="color:null">Federal refund questions</SPAN></A></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">Also, be aware, the IRS operations are limited during the Covid-19 pandemic.&nbsp; Attached is a link with more information as to what departments are available to contact at the moment.</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif"><A href="https://www.irs.gov/newsroom/irs-operations-during-covid-19-mission-critical-functions-continue" target="_blank"><SPAN style="color:null">IRS operations</SPAN></A></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">Please see the attached for more specific information as it applies to your particular state.&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="color:null"><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif">&nbsp;</SPAN></SPAN></SPAN></P> <P><SPAN style="font-size:14px"><SPAN style="font-family:Arial,Helvetica,sans-serif"><A href="https://ttlc.intuit.com/community/refund-status/help/how-do-i-track-my-state-refund/00/25571" target="_blank"><SPAN style="color:null">How to track my refund</SPAN></A><SPAN style="color:null">&nbsp;</SPAN></SPAN></SPAN></P>
</description>
<pubDate>Thu, 30 Apr 2020 04:09:12 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1552438#M242
</guid>
<dc:creator>JotikaT2</dc:creator>
<dc:date>2020-04-30T04:09:12Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1555313#M246
</link>
<description><P>I want to save</P></description>
<pubDate>Fri, 01 May 2020 02:05:31 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1555313#M246
</guid>
<dc:creator>gF2</dc:creator>
<dc:date>2020-05-01T02:05:31Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1557195#M248
</link>
<description>
<P>…..and well you should.</P><P>&nbsp;</P><P>Committing to <EM>paying yourself first</EM> by saving 10% of your income will get you on the road to financial independence.</P><P>&nbsp;</P><P>Your first priority should be to save 6-12 months of living expenses in a bank or money market fund. to cover a potential job loss or an unexpected large expense such as a car repair.</P><P>&nbsp;</P><P>You will probably earn a higher interest rate in an internet bank fund such as American Express Bank currently yielding 1.5%,</P><P>&nbsp;</P><P>See <A href="http://www.americanexpress.com" target="_blank">www.americanexpress.com</A></P><P>&nbsp;</P><P>Good luck,<BR />Marketstar</P><P>&nbsp;</P>
</description>
<pubDate>Fri, 01 May 2020 19:07:09 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1557195#M248
</guid>
<dc:creator>marketstar99</dc:creator>
<dc:date>2020-05-01T19:07:09Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1574509#M251
</link>
<description>
<P>Hello,</P><P>Just would like to know how to get out of debt. And learn how to save have one credit card and one personal loan and one car loan . And some little medical bill that I will take care this month. Would love to learn how to invest my money or donate to a good cause but don't know would like to be more educated about donations.</P><P>&nbsp;</P><P>&nbsp;</P><P>Thank you,</P><P>&nbsp;</P><P>Mrs. Morris</P>
</description>
<pubDate>Fri, 08 May 2020 01:22:43 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1574509#M251
</guid>
<dc:creator>CMcrr</dc:creator>
<dc:date>2020-05-08T01:22:43Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1574561#M252
</link>
<description>
<P>To get out of debt, you can focus on one debt at at time, starting with highest rate or starting with smallest balance.&nbsp; When I was in debt, I didn't want to accept the road out would take over a year.&nbsp; I wish I could go back and say don't worry about that; just the next year financially is going to be about retiring debt.&nbsp;&nbsp;</P><P>&nbsp;</P><P>If you can get rid of the car loan, that's good too.&nbsp; There's no reason to aim to keep some debt.</P><P>&nbsp;</P><P>Don't worry about investing or donating until you're done with the debt.&nbsp; One thing at a time.&nbsp; When the debt's gone, you'll have money to invest.&nbsp; As for donating, I try to donate to people I know.&nbsp; I asked my kids' teachers if they know anyone struggling to pay for Internet during this corona virus crisis.&nbsp; It was nice to be able to help.&nbsp; I could not have helped 20 years ago when I had debt.</P><P>&nbsp;</P><P>It will go faster than you think, not just in terms of perception, but in time.&nbsp; You'll find new ways to pick up OT, bonuses, things to sell, or whatever over the time when you're paying off the debt.&nbsp;&nbsp;</P><P>&nbsp;</P><P>Regarding the OP topic, get your HR office to update your W-4 form so they take less out for taxes and so you don't get much refund.&nbsp; That way you have more money from each paycheck to pay debt or do whatever you want with.</P>
</description>
<pubDate>Fri, 08 May 2020 01:55:15 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1574561#M252
</guid>
<dc:creator>cgervasi</dc:creator>
<dc:date>2020-05-08T01:55:15Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1613169#M263
</link>
<description><P>I want to save money as much I can.&nbsp;</P></description>
<pubDate>Fri, 29 May 2020 21:44:45 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1613169#M263
</guid>
<dc:creator>Miajj2020</dc:creator>
<dc:date>2020-05-29T21:44:45Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1628403#M266
</link>
<description>
<P>Okay, whomever this New Varun is, do not listen to them... They know nothing of what they say.</P><P>Crush your high-interest Credit Card as soon as your Refund Check arrives.</P><P>From this point on, never run-up a Balance on Credit Cards that you cannot pay-off (in-full) monthly.</P>
</description>
<pubDate>Wed, 10 Jun 2020 14:55:19 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1628403#M266
</guid>
<dc:creator>t-grnt03xx</dc:creator>
<dc:date>2020-06-10T14:55:19Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637194#M268
</link>
<description>
<P>I am trying to figure out what's going on with my taxes where are my tax return</P>
</description>
<pubDate>Wed, 17 Jun 2020 05:07:57 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637194#M268
</guid>
<dc:creator>Janita Cortney woods</dc:creator>
<dc:date>2020-06-17T05:07:57Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637196#M269
</link>
<description>
<P>Where's my 2019 tax return my payment was 3,175</P>
</description>
<pubDate>Wed, 17 Jun 2020 05:09:55 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637196#M269
</guid>
<dc:creator>Janita Cortney woods</dc:creator>
<dc:date>2020-06-17T05:09:55Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637458#M270
</link>
<description>
<P><SPAN style="font-size:12.0pt"><SPAN style="font-family:Arial"><SPAN style="color:#2e2e2e">The online link is your best option to track your refund.&nbsp; I have attached a link with more answers from the IRS as to why your refund may be taking longer to process.</SPAN></SPAN></SPAN></P> <P><SPAN style="font-size:12.0pt"><SPAN style="font-family:Arial"><A href="https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions" target="_blank">Federal refund questions</A></SPAN></SPAN></P>
</description>
<pubDate>Wed, 17 Jun 2020 15:42:37 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1637458#M270
</guid>
<dc:creator>CatinaT1</dc:creator>
<dc:date>2020-06-17T15:42:37Z</dc:date>
</item>
<item>
<title>Refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/refund/01/1654834#M272
</link>
<description>
<P>I filed my taxes up here on January 29 and I still haven’t got my refund but everybody else that has filed their has gotten it back why am I the only one that hasn’t got their back yet it July after that it’ll be almost time to file again</P>
</description>
<pubDate>Thu, 02 Jul 2020 23:51:26 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/refund/01/1654834#M272
</guid>
<dc:creator>Momabear_37</dc:creator>
<dc:date>2020-07-02T23:51:26Z</dc:date>
</item>
<item>
<title>Re: Refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-refund/01/1654839#M273
</link>
<description>
<P>Did you efile or mail your return? They just started processing mailed returns that have been stacking up..<BR /><BR />If you efiled....Was your return Accepted? First double check your efile status here<BR /><A href="https://turbotax.intuit.com/tax-tools/efile-status-lookup/" target="_blank">https://turbotax.intuit.com/tax-tools/efile-status-lookup/</A><BR /><BR />When you efile you get back 2 emails. The first email only confirms the transmission. The second email says if the IRS (or state) Accepted or Rejected your efile.<BR /><BR />Then only the IRS can tell you. IRS Where's my refund <A href="https://www.irs.gov/refunds/" target="_blank">https://www.irs.gov/refunds/</A><BR />Make sure you are using the refund amount from your actual federal tax return and not the combined amount Turbo Tax showed you at the end. That was for federal and state combined.<BR /><BR />When you log into your account you should also see the status and if it was Accepted or Rejected, Started, Printed, Ready to Mail, etc.&nbsp;&nbsp;what does it say?<BR /><BR />When will you get your refund,<BR /><A href="https://ttlc.intuit.com/community/refund-status/help/when-will-i-get-my-irs-tax-refund/01/25589" target="_blank">https://ttlc.intuit.com/community/refund-status/help/when-will-i-get-my-irs-tax-refund/01/25589</A></P>
</description>
<pubDate>Thu, 02 Jul 2020 23:53:35 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-refund/01/1654839#M273
</guid>
<dc:creator>VolvoGirl</dc:creator>
<dc:date>2020-07-02T23:53:35Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1658490#M274
</link>
<description>
<P>Robinhood or any other investment portfolio app is better then acorns looked into it and they take way to much everyday from every stock you have foreget that</P>
</description>
<pubDate>Sun, 05 Jul 2020 23:36:31 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1658490#M274
</guid>
<dc:creator>Zacsaysyousuck</dc:creator>
<dc:date>2020-07-05T23:36:31Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1690478#M280
</link>
<description>
<P>Your credit card's interest rate is probably much higher than the interest rate you might pay for a home loan or an auto loan.&nbsp; Sink your money into paying off the principal on your credit card balance.</P>
</description>
<pubDate>Thu, 16 Jul 2020 00:11:29 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1690478#M280
</guid>
<dc:creator>d-fly</dc:creator>
<dc:date>2020-07-16T00:11:29Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1697432#M282
</link>
<description>
<P>All I have to say is they took 225 out of my refund and did nothing. I did all the leg work. They were not supposed&nbsp; to take it. I want my money back. They are scammers and I'll never use them&nbsp; again..Take my advise do not use turbo tax. I'll continue&nbsp; spreading&nbsp; the&nbsp; word&nbsp; till I get my 245 back. Tina Kluttz.&nbsp;</P>
</description>
<pubDate>Wed, 22 Jul 2020 20:49:32 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1697432#M282
</guid>
<dc:creator>TKLUTTZ57</dc:creator>
<dc:date>2020-07-22T20:49:32Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1697434#M283
</link>
<description>
<P>They are scammers. They steal from you .Tkluttz57&nbsp;</P>
</description>
<pubDate>Wed, 22 Jul 2020 20:51:41 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1697434#M283
</guid>
<dc:creator>TKLUTTZ57</dc:creator>
<dc:date>2020-07-22T20:51:41Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1702598#M284
</link>
<description/>
<pubDate>Sun, 02 Aug 2020 01:06:10 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1702598#M284
</guid>
<dc:creator>ruizmiguel54</dc:creator>
<dc:date>2020-08-02T01:06:10Z</dc:date>
</item>
<item>
<title>I WANT TO FILE MT 2019 TAX. CAN I DO THAT HERE?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/i-want-to-file-mt-2019-tax-can-i-do-that-here/01/1708310#M287
</link>
<description><P>TAX FILE FOR&nbsp; 2019</P></description>
<pubDate>Fri, 14 Aug 2020 06:00:19 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/i-want-to-file-mt-2019-tax-can-i-do-that-here/01/1708310#M287
</guid>
<dc:creator>seemoss2000</dc:creator>
<dc:date>2020-08-14T06:00:19Z</dc:date>
</item>
<item>
<title>
Re: What should I do with my refund? acorn is a great idea for it
</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund-acorn-is-a-great-idea-for-it/01/1709319#M288
</link>
<description>
<P>Acorn is a great idea for my return right or what ever&nbsp;</P>
</description>
<pubDate>Sun, 16 Aug 2020 21:10:28 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund-acorn-is-a-great-idea-for-it/01/1709319#M288
</guid>
<dc:creator>Edward M McDowell</dc:creator>
<dc:date>2020-08-16T21:10:28Z</dc:date>
</item>
<item>
<title>Re: What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1712662#M289
</link>
<description>
<P>&nbsp;I am still waiting for my Refund do u now how long it will be &nbsp;????</P>
</description>
<pubDate>Tue, 25 Aug 2020 15:28:12 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/re-what-should-i-do-with-my-refund/01/1712662#M289
</guid>
<dc:creator>Nmar73</dc:creator>
<dc:date>2020-08-25T15:28:12Z</dc:date>
</item>
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