Three Ways to Save Before, During, and After Filing Your Taxes
Who doesn't like saving money? When it comes to cutting costs and精明地储蓄, it's all part of building better财务习惯为了一个healthy budget-这包括节省税收。在匆忙发送您的报税表之前，有一些方法可以减少您的应纳税所得额，向免税账户（如健康储蓄账户（HSA）或传统的个人退休账户）供款，并最大限度地提高收入itemized deductions.
在前面，我们找到了一位信用发言人，达娜·马里诺，该公司的首席营销官乐天奖励, to weigh in on money-saving strategies.
After you've successfully filed and received your tax return, what you spend your tax return on can factor in how much money you save for the course of 2021. Marineau recommends consumers spend their tax refund dollars onhome improvements，维修，偿还债务或者把退款的一部分存入银行high-yield savings account, or purchasing that new appliance that you've been eyeing over the course of the year. Each of these tax refund spending suggestions either adds value to your life, home, or bank account.
Just as there are smart ways to spend and later save on your tax refund, there are some "don'ts" as well. Marineau recommends not spending your tax refund all at once or purchasing items that exceed your tax refund. She advises against putting the check in the drawer, forgetting about it. Instead,deposit the check right awayas governmental checks have expiration dates. That is money (and opportunities) you're missing out on.