Be smart with your return
“If you usually receive a tax refund, check your payroll tax withholdings and adjust accordingly.
While it’s fun to get a big refund because it feels like “found money,” there are better ways to save money than making an interest-free loan to the government. For example, consider setting up an automatic transfer from your checking account or paycheck to a savings or money market account.
Though rates currently remain low on interest bearing accounts, when they do go back up, you’ll be better positioned to earn interest on your savings. If you still do get a big refund, put it to good use instead of spending it all at once.
Consider paying down credit card debt, adding to cash reserves for a rainy day, adding toward a 2013 IRA, or putting into savings for a big ticket item like a new car or home renovation.”