Interpreting Tarot -- Reading the Book of Life
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Rebecca Brents

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Temple Of Shamanic Witchcraft: Shadows, Spirits and the Healing Journey
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Christopher Penczak

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	Ideas for Your Tax Refund by Darlene Arechederra Rat Race Remedies
Astrology, Tarot, and Self Improvement for the New Age.

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Ideas for Your Tax Refund
by Darlene Arechederra

Even if your tax refund isn't as large as you'd like, think of it as a lump sum. It can do so many wonderful things for you! Why not use it to make your life just a little bit easier?

1. Train for a New Career

Maybe you've been wanting a new career, but haven't had the money to get started. Training costs money. Perhaps you're wanting to learn medical transcription and work from home some day soon. Bank this return and use it to fund your training.

2. Open a Car Account

If your car decides to call it quits, will you be forced back into the car payment merry go round? Tucking away each refund over the next 5-7 years could nearly pay for your next car.

3. Begin a Clothing Fund for the Kids' Clothes

When you have money set aside, you can afford to find kids' clothing at great discounts -- without whipping out your credit card. Do this each year and you'll be ready when the new school year rolls around.

4. Begin a Home Repair Fund

If you're a home owner, you'll eventually have to replace your roof. Why not save up now for the money you'll need? Build up your fund by depositing $10 or so from each paycheck. Also tuck into this fund any miscellaneous cash gifts you receive.

5. Open a Vacation Fund

The trick here is to allow yourself only a set amount to spend each year on your vacation, always leaving the majority of the money in the bank. Aim for spending only one-fourth of it each year, or a set amount like $500. Keep funding it with your refunds each year.

6. Open a Christmas Account for Next Year

The holidays are over, but are the credit card bills still arriving? Each year we think of setting up an account like this. But then we worry about where the money would come from - and we give up on the idea. Your refund, no matter how small, is ready and waiting to ensure next year's purchases will be pre-paid.

7. Open or Add to Your Emergency Account

Having an Emergency Account is the difference between knowing you'll be okay if you have an emergency, or stressing out over where you'll scrape up the money you need. We all have our own idea of an emergency, but why not be ready for it?

8. Use Your Refund to Pay Down Debt

Yes, you've heard this one before, over and over. A word of caution, though. If you constantly have credit card debt, it's likely you're still living beyond your means. What will keep you from spending more than you make after this year's return has paid off your credit cards?

Why not split your refund? Pay off your higher-interest cards, learn to live within your means, and put some of the refund into an emergency account?

9. Set up an Expense Fund Just for Your Car

Let's face it. We need to keep our vehicle running in order to go about the business of living. Remember the last time you had to quickly buy new tires? How did you pay for them? Cash? Credit card? How about replacing a broken headlight? Even small repairs can tap into money we don't have set aside.

10. Hmmm ... To Spend, or Not to Spend

Torn between saving your $1700 refund -- or buying something wonderful? Calculate how many hours or weeks you'll work to make that $1700 again. Remember, you'll lose about 30% in taxes, etc. Would tucking it away help you feel more secure?

(How about a Bonus Tip?)

11. Expand Your Hobby into the Profit Zone

Do you have a hobby you love but haven't had the money to turn it into a profitable venture? Set this refund aside to purchase supplies on sale so you'll be ready to go.

Copyright (c) 2004 Darlene Arechederra -- All rights reserved.

Darlene Arechederra is author of Rat Race Blues -- How to Break the Stranglehold. She offers hope and help in turning spending into savings, so you can do what you *love* to do for a living, not what you *have* to do! Free weekly newsletter. Rat Race Remedies

Are you looking for more information on Money, Financial Management, Possessions, and Physical Pleasures?

Taurus is the astrology sign that deals specifically with Money, Financial Management, Possessions, and Physical Pleasures. Learn more about Taurus.
The information here tells all about Taurus Astrology.

Taurus Horoscope

I can't seem to bring myself to say, "Well, I guess I'll be toddling along." It isn't that I can't toddle. It's that I can't guess I'll toddle.
~ Robert Benchley ~
Born September 15, 1889

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Last updated May 13th, 2004

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The Compass: The Guide to the Quest Tarot
By
Joseph Ernest Martin