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With Tax season around the corner, many of us have plans lined up to put it to good use.
With tax season here and many people expecting a tax refund, I thought it would be fun to list some of the smartest (and dumbest) ways you can spend your money.
Smartest Ways to Spend Your Tax Refund
Think of tax refunds as an easy way to improve your finances and life in one swoop.
Pay off high interest debt. Best thing you can do is to pay down or even off some of your debts including credit cards, car loan, and your student loan. You’ve freed up some money on your monthly budget, giving you breathing room for unexpected expenses.
Jump-start your savings. With so many Indians living paycheck to paycheck, having a financial cushion can make a huge difference.
Get healthy. You can make that money go further and save even more money down the road by investing in your health now. Go ahead and use some of that tax refund and snag a great deal on your favorite sports equipment.
Invest more towards retirement. Using all or a portion of your tax refund for retirement contributions. It can give you some great returns on your investment.
Give to others. Perhaps you’re doing well financially speaking, but you don’t want to just blow that money on anything. Making a charitable donation to a cause can be rewarding.
By the way, you don’t have to use all your tax refund for building your finances, go ahead and have some fun, but don’t go overboard.
Worst Ways to Waste Your Tax Refund
Speaking of going overboard, let’s have some fun and look at some ways you can waste your money.
Blow it all on a vacation. If you want to go on a vacation, then go for it – just don’t spend every single cent just because you have it. There are some great travel guides online that can help you find some fantastic vacation spots and still have some money left over.
Day trading your tax refund. Investing your money and trading your money are two completely different things. In many cases, it will give you two completely different results. Investing your money by creating a diversified portfolio that fits your goals and investing style, is smart. Putting your refund into a stock because of a 2 minute recommendation you heard on the television (or read on the internet) is not.
‘Loan’ to loved ones. No, I’m not suggesting that helping out family and friends is in itself a dumb move, I actually think it’s noble. The dumb move comes how and whom you lend out the money.
Loaning money to those family and friends who seem to constantly suffer an emergency (‘my bill is due tomorrow!’) and who refuse to listen to your advice about saving money (‘but I want to have fun this weekend’) will not mean you won’t see your money again. But it may also become a source of stress and resentment that you wish you never had. There are ways to help your loved ones without loaning money.
The reason I’m harping on these ‘dumb’ money moves is because I’m quite sure that you’ve worked really hard to earn your money and I’d hate to see you lose it.
