Spend your tax return on debt.
I know the way income taxes are withheld, at least at the federal level, have changed. Generally speaking, however, you shouldn’t be getting too big of a refund. Like if you’re getting a few thousand back, that might not be ideal.
Certainly you don’t want to owe any money, since that may lead to potential underpayment penalties. But the conventional wisdom holds that tax refunds are essentially interest-free loans to the government. So while it’s nice to get a lump sum refund, it’s better that you keep your money throughout the year so you can use it to buy groceries, pay off debts, and such.
But, I also understand that savings (or not spending) can sometimes be hard for folks, so sometimes having the govt hold your money “in savings” may be appropriate.
If I can add one thing:
- Always pay yourself first.
Doesn’t matter if it’s $10 a pay period or $100 or something in between or more. If you can, save a little bit of your paycheck. Ideally, if you’re company utilizes direct deposit, direct that portion of your paycheck to another free checking or free savings account at a separate bank from your main bank. This way is best since you’re saving and it’s “out of sight, out of mind.” You never see that portion hit your main checking account. Then don’t even look at the balance that often. Don’t even think about it. Save it for a rainy day. Or something nice down the road.
I’ve been working through a replay of all the original mainline Ace Attorney games, via the trilogies on Steam. Played these all on DS/3DS back in the day. I just finished Ace Attorney - Dual Destinies, and now I’ve started Spirit of Justice, the last game of this second anthology. Love this whole series. Can’t wait for the release of the “Investigations” spin-off games in September!
Otherwise, still playing FFXIV. I started Dawntrail, but I haven’t gotten too far into it. I put a pin the MSQ (Main Scenario Quests) a couple weeks ago and just kinda left it there. I have enough other things to work on. Class/Job leveling, finishing up some Alliance Raids/Normal Raids from Endwalker, trying to suck less while healing on Sage, and whatever else side stuff I find.
I figure that it’s gonna be at least a few months til the next big content update, and at least two years until the next expansion, so what’s the rush? I’ll get back to the MSQ eventually.