这里有一些策略可以帮你省下成千上万的钱。

ByKatelyn Chef
2021年4月07日
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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.

改变你的归档方式

消费者节省税款的第一步是从他们的申报方式开始。”许多人常常忽视他们实际上可以省钱的事实网上报税时," says Marineau. "Going through a shopping rewards site likeRakuten这是一个简单的方法赚取高达25%的现金回报的服务,如涡轮税,H&R Block,和e-File."

使用ipad预算应用程序进行纳税季
图片来源:Rowan Jordan/Getty Images

明智地投资

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.

贡献给正确的帐户

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.

总而言之,节省你的文件,以及你决定在以后的工作中做什么,为精明的储蓄打下基础。“不要自欺欺人地认为这是额外的钱,”马里诺说如果你记住这是退款而不是额外的现金,你会更谨慎地使用它。”

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