Your,Income,Tax,Refund,amp,#58 finance, share, loan Your Income Tax Refund: Sofa, Pecs, or Freedom&#
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Your Income Tax Refund: Sofa, Pecs, or Freedom? What will your tax refund 'buy' for you this year? A lovelysofa? Perfect Pecs? Freedom? I hate to admit it, but I almost bought the Pecs. I opened acolorful brochure that caught my eye...And, there it was... the perfect way to *invest* my refund:in myself -- with my very own home gym! Who doesn't deservethose Abundant Abs, that perfectly Toned and Sculpted Body...All for under $1,200, with payments under $35/month!I was drooling. I had to have that gym! I deserved it! I'dwanted it for over a year now... Good things come to thosewho wait, right?I found some even smaller print at the bottom -- The APR wasjust under 22%! I exhaled. Slowly. It felt like someonehad stopped Bob Seger's 'Beautiful Loser,' right at the bestpart of the song. The drooling stopped. The adrenalineretreated, waiting for the next spending rush.My sanity returned.Still dazed, I followed the efficient-looking tax lady backto her desk, all the while calculating how much interest Iwould have paid for those Perfect Pecs... those Adorable,Abundant Abs. Just how tired would my bones be by the timeI had this home gym paid off?I didn't even have the refund in my hands yet. But I washolding a brochure that had the power to devour any refundI might have... before it could chill in my bank account. 4 Tips to Keep the Drooling at Bay1. Decide ahead of time not to spend it. If you later changeyour mind, ask yourself, "is my *want* important enough to usethis lump sum of money?"2. Tuck it into savings immediately (preferably your emergencyaccount). Or, if that sends you into a cold sweat, put up halfof it. Avoid the Money Sponge. Don't be tempted to leave itin the checkbook! 3. Think of your tax return as *Freedom Money*, not as *extra*.Add bits of money to it for a 'Freedom-To-Be-My-Own-Boss' Account.This is money you've managed to do without over the past year.You didn't miss it then -- no need to miss it once you've tuckedit away...4. Picture yourself debt free... All credit cards are paid off.You have a few thousand dollars in several money accounts. Youare contributing to your retirement account on a regular basis.Bill-paying time is stress free. You can go out from time to time, paying cash as you go. Emergencies are covered.Your money is under control. Your control -- not that of thecredit card companies or debt collectors.Will this year's refund bring you a new sofa, Perfect Pecs, orthe Feel of Freedom? You have the *power* in the palm of yourhand -- to take a huge step forward in your financial life.Will you DO it? Article Tags: Sofa Pecs, Perfect Pecs
Your,Income,Tax,Refund,amp,#58